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.
woman workin on DIY credit repair

Is DIY Credit Repair a Good Idea?

There is no shortage of products and services devoted to helping consumers improve their credit. Among them is credit repair, a for-profit service that promises consumers an opportunity to dramatically improve their credit as a way to attain additional lending, such as a home mortgage, personal loan, or vehicle loan. What credit repair companies do...


busting myths about bankruptcy

Do You Believe These Myths About Bankruptcy?

During financially uncertain times, it’s understandable that consumers become curious about declaring bankruptcy. For certain consumers with high levels of unsecured debt, bankruptcy can ease the constant worry of how they’re going to pay bills and can be the beginning of gradually rebuilding a solid financial foundation. But one of the persist...


couple decided whether or not to use their retirement savings to pay for emergencies

Should I Use Retirement Savings to Pay for Emergencies?

The CARES Act makes it possible for consumers to take up to $100,000 from their 401(k) or 403(b) retirement plans with no penalty. And, although it is taxable, they can pay the taxes over three years. The normal 20% withholding is waived as well. The legislation passed because many people are facing significant financial challenges due to the COVID...


woman reviewing her medical billing statements

How to Read Medical Billing Statements

As the COVID-19 pandemic continues, Americans are getting tested, visiting health care providers and being hospitalized more than ever before. That means more of us are receiving medical billing statements. Whether for a simple procedure or a multi-day hospital stay, reading medical bills can be frustrating and confusing for those who don’t do it...


young woman conducting a video interview

5 Tips for a Successful Video Interview

One of the many things that’s changed dramatically over the last several months is how Americans interview for jobs. Interviews conducted over video chat are the new norm, and this efficient trend is likely to continue even after in-person interactions fully resume. But if you’re new to video chatting, not used to interviewing (or both), it can...


baking bread at home is a good quarantine money habit

Hang On to These Quarantine Money Habits

Our lives have changed in so many ways over the last several months, and we can expect more changes as we all adapt to a “new normal.” For many, there’s been a radical shift for the better in how we look at spending and saving money. And these quarantine money habits are worth continuing, even when all the lockdowns are eventually lifted. Let...