You could spend hours trying to devise a flexible system to categorize and label every single expense you have, but it won’t necessarily help you. Instead, stick to a three-category budget to make things simple.
Tax season is coming up, which means some will have to shell out a hefty chunk of cash to the government. That always stings, but you can make it sting a little less if you have a decent rewards credit card.
When you invest your money, it’s easy to get excited and start checking it every day to see how much it’s earning. This isn’t the best idea and it can hurt you in the long run. The best and hardest thing to do with your investments is nothing.
If you’re making enough to break out of the poverty loop, you can probably find a lot of ways to save money. None will save you quite as much, however, as being happy with a lifestyle that doesn’t cost a fortune.
Shopping for cell phone plans can be complicated when companies advertise confusing rates or hide some options altogether. To save yourself some hassle, these are the absolute cheapest cell phone plans in the US.
The only reason so many students are willing to take on huge student loans is because of the promise that they’ll earn more after college. This tool shows just which colleges give you the best boost to your salary for the amount of money you sink into your education.
If you knew how many hours you’d have to work to buy that new TV, or a new car, how would that affect your decision to buy it? This calculator can help you find out.
If you’re not using Google Opinion Rewards, you should check it out. It’s a quick way to get free money for answering a few questions. If you do have it, turn on this setting so you’ll always get notified when there’s a new survey.
If you’re not satisfied with how your clothes look on you, don’t toss them out just yet. Take your clothes to a tailor to get them adjusted and you may be able to get an instant upgrade without buying a whole new wardrobe.
The specifics of managing your finances can be complex, but the basic principles of good financial health are simple. Above all else, put your future money towards saving rather than spending.
Eating out can break a lot of habits at once, from saving money on food to throwing off your diet. If you’re going to indulge, however, try to head to a restaurant for lunch instead of dinner.
Late fees can eat into your debt repayment plan, but having a high interest rate is even worse. Yet, most of us are more likely to call and ask to have a late fee waived. Try calling your card issuer and asking for a lower interest rate.
Your emergency fund is supposed to give you some peace of mind to cover expenses when times are tough. However, most times you wish you could spend a little extra aren’t emergencies. For those, give yourself a smaller “comfy couch” fund.
Perfectly tweaking your budget so that you’re only paying the absolute minimum sounds like frugal dream. However, if you don’t leave yourself something to cut, you can hurt your retirement planning.
There are a lot of ways to calculate how much money you need to save to retire. Once you reach retirement, though, a lot can influence how long that money lasts, including the year you retire.
Renting a home for a vacation is a great way to feel at home while you’re away. This data shows the places where vacation rentals are cheapest, and where they’re most expensive.
Shopping for new gadgets, clothes, or just random junk can turn into a hobby in itself. If you’d rather save your money, get your dopamine fix from creating things rather than buying things.
Every year, the contribution limits and other details about 401(k)s change. A few of those changes this year can be particularly useful for low-income families. Here are the changes to watch for.