Topic
Emergency Savings
Financial Resolutions for Generation Z
Often dismissed as being glued to their phones or mesmerized by their gaming consoles, members of Generation Z — those born after 1997 — have money on their minds. In fact, 72% of them report feeling stressed about money, according to the 2019 Future of Money Study. Personal finances can seem overwhelming to this generation, […]
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What are the Alternatives to Credit Card Cash Advances?
When money is tight, a credit card cash advance can seem like an easy solution. But it comes at a cost. In many cases, a cash advance comes with a higher interest rate than that for credit card purchases. And there’s no grace period; the interest begins to accrue right away. When you begin to […]
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The Pros and Cons of Credit Cards
When managed responsibly, credit cards are a useful financial tool. But problems can arise when consumers come to rely on credit cards to pay for everyday purchases, or to fund a lifestyle they can’t truly afford. To avoid unmanageable debt, some consumers choose to skip using credit cards at all, while others keep one card […]
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6 Steps to Take if Your Vehicle is Repossessed
Having a vehicle repossessed is a shocking occurrence. Suddenly, you’re left without transportation to get to work, school and run necessary errands. Although it’s an unfortunate situation, it’s not a hopeless one. If you act quickly, you may be able to get the vehicle back. Here are some steps to take if your vehicle is […]
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Conduct a Mid-year Financial Resolution Checkup
With the year more than half over, it’s time for a mid-year financial resolution checkup. If you’ve been making progress on your resolutions — way to go! If you haven’t, don’t worry. There’s still plenty of time to work on them before the year ends. And even if you didn’t make any, it’s a good […]
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6 Hints for Planning a Budget with Tip Income
Relying on cash tips for a good chunk of your income has both advantages and drawbacks. On the one hand, you’ll almost always have cash on hand (which is increasingly rare these days). But that can also be a potential drawback if you don’t practice discipline with how you account for that cash. Additionally, relying […]
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Beyond Emergency Savings — Start Saving for These Priorities
By now, you’ve probably heard how 40% of Americans can’t afford to pay cash for a $400 emergency. That’s why having a fully-funded emergency savings account is so important. Opinions vary on what exactly fully-funded means, but most experts agree that saving 3-6 months of living expenses in an accessible savings account should be the […]
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5 Financial Tips for New College Graduates
Graduating from college is one of life’s major milestones. It’s a time to stop and celebrate your achievements, while looking toward an exciting future. You’re about to start making more decisions for yourself than ever before, and many of those decisions will involve how you’re going to spend and save your money. Here are five […]
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5 Smart Ways to Use an Insurance Settlement
Receiving an insurance settlement can be considered a mixed blessing. On the one hand, it’s always nice to receive a lump sum of money you weren’t expecting. On the other, you’re receiving the settlement as a result of less-than-ideal circumstances. But the good thing is, you made it through and now have unexpected funds available […]
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How to Make Appliances Last Longer
Chances are, you don’t give much thought to your appliances. You just expect them to be there, working hard, whenever you need them. That is, until something goes wrong and they have to be repaired or replaced. When that happens, it’s likely all you can think about. Fortunately, most appliances are quite reliable when properly […]
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