Amy has been researching and writing about smarter ways to save and spend money since 2013. She is always on the lookout for practical tips and information she can share to help people get organized, save money and reach their financial goals.
Black woman shopping online deciding to use a point-of-sale loan

Point-of-Sale Loans — What You Need to Know

Remember layaway? It was a service many retailers offered that allowed customers to buy now and pay later without using credit cards. A customer would select their items, place them on layaway, make a small down payment, and then pay the balance in installments. Once paid-in-full, the customers took home their items. It was an efficient system that...


hipster guy realizing he has made a pandemic money mistake

Avoid These 5 Pandemic Money Mistakes

There’s no doubt 2020 has been one of most unsettling years in recent memory. For many, it’s meant job loss or reduced income. And even if you’ve maintained full employment over the last several months, staying focused has been challenging. All this has led to people making some common pandemic money mistakes. Let’s see what they are, and h...


fact vs myth directional signs drawn on a blackboard

Busting the Myths About Credit Repair

When it comes to getting out of debt and achieving financial freedom, there are a lot of myths surrounding the many ways to accomplish that. Credit repair is one those methods that many people misunderstand. Keep reading to separate the facts from the myths about credit repair.     Myth: Credit repair works to improve credit instantly Fact: T...


tips to prepare for a career change

Tips to Prepare Yourself for a Career Change

Whether pushed into it as a result of job loss or you’re simply ready to try something new, preparing for a career change is challenging and exciting. Let’s look at some tips to help make it a smooth transition. Narrow Your Field of Focus You might have a plan in mind and know exactly the types of jobs you want to pursue. Or, you might just k...


how to cut down to a bare bones budget

How to Cut Back to a Bare Bones Budget

The ongoing pandemic has pushed Americans to take a long look at their finances. Many are facing unemployment or reduced income, and those who remain fully employed are being more careful about how they save and spend their money. To keep better track of their money, some people are budgeting for the first time ever — a habit that will hopefully ...


what you need to know about bank accounts for teens

What You Need to Know About Bank Accounts for Teens

Back-to-school season is definitely different in 2020. But it’s still a good time to celebrate your child’s growth and achievements as they transition into a new academic year. For many, that can mean opening their teen’s first bank account. In addition to being a great teaching tool for positive money habits, it adds convenience for parents ...


broken piggy bank represents being out of emergency savings

You’ve Run Out of Emergency Savings — Now What?

The devastating economic effects of COVID-19 have forced millions to live off emergency savings. But as the pandemic continues to affect Americans’ financial lives, many have reached their limits and are wondering where to turn next. If you’ve exhausted your emergency stash and are now running low because of economic and job instability, some c...


understanding private student loans

What You Need to Know About Private Student Loans

When most people hear “student loans,” they’re thinking of federal student loans that are issued by the Department of Education and managed by a variety of loan servicers. But in addition to these widely known federal student loans, there are also private student loans. These are loans issued by banks or other financial institutions directly ...


Man job hunting during the pandemic

5 Tips for Job Hunting During the Pandemic

Searching for a new job is always a challenge. The ongoing pandemic has added new layers of difficulty and uncertainty to the process. But that doesn’t mean it’s impossible to find a new job right now, you just have to go about looking for it a little differently. Let’s take a look at helpful tips for job hunting during the pandemic.     ...