Financial Planning: Most Popular Articles
These articles are the most popular over the last month.
Basic Budget Worksheet for Setting Up Your Personal Budget
Budget worksheet form for setting up your personal budget
Budget worksheet form for setting up your personal budget
How To Create a Budget
Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.
Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.
Buying Diamond Engagement Ring
What You Need to Know When Buying a Diamond Engagement Ring
What You Need to Know When Buying a Diamond Engagement Ring
How to Establish Credit
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
Budgeting 101
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
The Child Tax Credit
The Child Tax Credit - what you need to know to claim it properly.
The Child Tax Credit - what you need to know to claim it properly.
U.S. Savings Bonds
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
Maximize Your Benefits
Maximize Your Employment Benefits: Flexible Spending Accounts
Maximize Your Employment Benefits: Flexible Spending Accounts
Save Money on Heating Costs
Save money by reducing heating costs
Save money by reducing heating costs
How To Calculate Net Worth
Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.
Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.
How to Get Out of Debt
Credit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit card balance is usually between 10-30% APR. These high interest rates make it difficult for people to pay down their debt -- especially if only making the minimum payments each month.
Credit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit card balance is usually between 10-30% APR. These high interest rates make it difficult for people to pay down their debt -- especially if only making the minimum payments each month.
Your FICO Credit Score
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
Budget Basics
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
Save on Your Wedding
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
Top Money Management Software
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Top Ten Financial Tips
Top Ten Financial Tips: Keys to Financial Success
Top Ten Financial Tips: Keys to Financial Success
Debt to Income Ratio
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?
Budget Worksheet for College Students
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
How To Balance Your Checkbook
Balancing Your Checkbook: Step-by-Step Instructions
Balancing Your Checkbook: Step-by-Step Instructions
Ways to Improve Credit Score
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
How Much to Budget by Category
What Percentage of Our Income Should We Budget for Each Expense Category?
What Percentage of Our Income Should We Budget for Each Expense Category?
You Can Get Out of Debt
You Can Get Out of Debt, But Not by Paying the Minimum Balance on Your Credit Cards
You Can Get Out of Debt, But Not by Paying the Minimum Balance on Your Credit Cards
Tweaking My Budget
Tweaking My Budget
Tweaking My Budget
Bi-Weekly Mortgage Payments
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
Tweak Your Tax Withholding
Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe
Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe
Debt Snowball
The Debt Snowball is the fastest method of paying of credit debt. Here's how to do it.
The Debt Snowball is the fastest method of paying of credit debt. Here's how to do it.
Why You Need an Emergency Fund
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
Five Worst Car Mistakes
Five Worst Money Mistakes to Avoid When Buying a Car
Five Worst Money Mistakes to Avoid When Buying a Car
Seeking Credit Counseling
Consumer Credit Counseling Services: Should You Use Them?
Consumer Credit Counseling Services: Should You Use Them?
Choosing a Planner
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
Biggest Taxpayer Rip-off
Income Tax Refund Loans: Taxpayer Rip-off
Income Tax Refund Loans: Taxpayer Rip-off
Top Picks: Personal Finance Books
Top picks for personal finance books: personal finance books managing your personal finances college educations money goals corporate tools
Top picks for personal finance books: personal finance books managing your personal finances college educations money goals corporate tools
Setting Financial Goals
Setting Financial Goals - The Second Step in Personal Financial Planning
Setting Financial Goals - The Second Step in Personal Financial Planning
Where to Keep Your Savings
So, you’ve set up an automatic savings program and you’re finally building up that emergency fund, but where should you keep your savings so that it earns the most interest for you? Luckily, there are many different savings vehicles available, but not all of them are appropriate for every situation.
So, you’ve set up an automatic savings program and you’re finally building up that emergency fund, but where should you keep your savings so that it earns the most interest for you? Luckily, there are many different savings vehicles available, but not all of them are appropriate for every situation.
Itemizing Deductions
When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don’t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.
When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don’t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.
Budgeting
Budgeting - The First Step to Financial Success
Budgeting - The First Step to Financial Success
401(k) Loan
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
Ways for Teens to Make Money
Jobs for Teens and Other Ways to Make Money
Jobs for Teens and Other Ways to Make Money
Be Prepared for Closing Costs When You Buy a Home
Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees
Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees
Checkbook Balancing Form
Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1. Outstanding
Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1. Outstanding
Saving for a Down Payment
In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?
In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?
Roth vs. Traditional IRA
A common question many people have is what type of IRA is best. Both the Traditional and Roth IRAs have significant tax advantages, but in some situations one may be better than the other. Since we can't predict what taxes will be like 20 years from now, if you have the ability to contribute to both types of IRAs, that might be a good idea. By diversifying your tax liabilities, you can be prepared for any significant changes in tax rates by the time you reach retirement.
A common question many people have is what type of IRA is best. Both the Traditional and Roth IRAs have significant tax advantages, but in some situations one may be better than the other. Since we can't predict what taxes will be like 20 years from now, if you have the ability to contribute to both types of IRAs, that might be a good idea. By diversifying your tax liabilities, you can be prepared for any significant changes in tax rates by the time you reach retirement.
Contacting the IRS
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
Money and the College Student
Money Advice for College Students. Leave College Without Credit Card Debt.
Money Advice for College Students. Leave College Without Credit Card Debt.
Insurance You Do Need
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
Make Saving Automatic
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
Joint or Separate Accounts?
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Cut Homeowner's Insurance
Ten Ways To Cut Your Homeowner's Insurance Premiums
Ten Ways To Cut Your Homeowner's Insurance Premiums
Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
How To Become a Millionaire
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
Should Teens Have Credit Cards
Should Teens Have Credit Cards?
Should Teens Have Credit Cards?
Wedding Budget Worksheet
Click here for a printer-friendly version WEDDING BUDGET WORKSHEET Item Budgeted Cost Actual Cost PRINTING:
Click here for a printer-friendly version WEDDING BUDGET WORKSHEET Item Budgeted Cost Actual Cost PRINTING:
Get Out of Debt Guide
Get Out of Debt guide - What You Need To Know Before You Can Get Out of Debt
Get Out of Debt guide - What You Need To Know Before You Can Get Out of Debt
Insuring Your Life
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
Co-signing a Loan
Co-signing a Loan: What You Need To Know
Co-signing a Loan: What You Need To Know
Cut Air Conditioning Costs
Save Money on Air Conditioning Costs
Save Money on Air Conditioning Costs
Rule of 72
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.
Save $ on Home Expenses
Tips on how to save money on your home expenses, including your mortgage and utilities.
Tips on how to save money on your home expenses, including your mortgage and utilities.
Debt Warning Signs
Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.
Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.
Budgeting Traits
Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget. It usually starts with good intentions, but just like dieting, it doesn’t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.
Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget. It usually starts with good intentions, but just like dieting, it doesn’t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.
Guilt-free Budgeting
How to Achieve Guilt-free Budgeting and Take Control of Your Finances
How to Achieve Guilt-free Budgeting and Take Control of Your Finances
Leasing a Car vs Buying
Should you lease your next car or buy it? Ten things you must know before buying orleasing your new car.
Should you lease your next car or buy it? Ten things you must know before buying orleasing your new car.
Top Online $ Calculators
Top Ten Online Money Calculators - Manage Your Finances More Easily
Top Ten Online Money Calculators - Manage Your Finances More Easily
Can You Afford to Have Kids?
Can You Afford to Have Kids? Financial Planning for a New Baby
Can You Afford to Have Kids? Financial Planning for a New Baby
Review W-4 Exemptions
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
Financial Advice for Your 20s
Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age
Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age
Investing With Little Money
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here’s how.
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here’s how.
How Much Home Can You Afford?
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
The Roots of Overspending
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
The Secret To Saving Money
One small and suprisingly simple secret can show you to save money.
One small and suprisingly simple secret can show you to save money.
Identity Theft Insurance
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
The High Cost of Credit Cards
The High Cost of Using Credit Cards. If you buy with a credit card, how much is that purchase really costing you? Find out what the credit card companies don't want you to know
The High Cost of Using Credit Cards. If you buy with a credit card, how much is that purchase really costing you? Find out what the credit card companies don't want you to know
Stay Away From Payday Loans
Quick and easy cash? There's nothing easy about payday loans.
Quick and easy cash? There's nothing easy about payday loans.
Financial Issues of Divorce
Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.
Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.
Top Personal Finance Magazines
Top Personal Finance Magazines for the average person
Top Personal Finance Magazines for the average person
Couples and Money
Couples and Money: How to Talk the Talk
Couples and Money: How to Talk the Talk
15-year Mortgages
Best Financial Moves - 15-Year Mortgages. Save large sums of money by having a 15-year instead of a 30-year mortgage
Best Financial Moves - 15-Year Mortgages. Save large sums of money by having a 15-year instead of a 30-year mortgage
Retirement Funds and Divorce
Protect your share of your spouse's retirement plan if you're getting a separation or divorce
Protect your share of your spouse's retirement plan if you're getting a separation or divorce
Get Next Year's Tax Refund Now
Get Next Year's Income Tax Refund Now
Get Next Year's Income Tax Refund Now
The Urge to Splurge
The Real Culprit Behind Your Urge to Splurge
The Real Culprit Behind Your Urge to Splurge
How Not to Pay Off Debt
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
Financial Safety Net
Where do you turn when you're faced with a financial emergency? Do you have money set aside to cover the unexpected expenses? Is there some sort of insurance in place? Without the right financial safety net you could find yourself in financial ruin. What good is it to earn, save, and invest money if it isn't protected in the event of a financial crisis? Learn how to create your financial safety net so you can protect what you have.
Where do you turn when you're faced with a financial emergency? Do you have money set aside to cover the unexpected expenses? Is there some sort of insurance in place? Without the right financial safety net you could find yourself in financial ruin. What good is it to earn, save, and invest money if it isn't protected in the event of a financial crisis? Learn how to create your financial safety net so you can protect what you have.
Balancing Your Checkbook
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Get Started in Investing
How to Get Started in Investing With Small Amounts of Money
How to Get Started in Investing With Small Amounts of Money
What Makes a Good Budget?
What Makes a Good Budget? Top Ten Features of a Successful Budget
What Makes a Good Budget? Top Ten Features of a Successful Budget
Marriage - Mingling Your Money
Marriage - Tying the Financial Knot. The Way You Mingle Your Money Can Mean the Difference Between Wedded Bliss and Divorce Court
Marriage - Tying the Financial Knot. The Way You Mingle Your Money Can Mean the Difference Between Wedded Bliss and Divorce Court
Credit Score Criteria
Your credit score is a number that is calculated with a formula that lenders use to predict how much risk you are as a borrower. This score is one of the most important factors used when determining whether or not to lend you money and at what interest rate.
Your credit score is a number that is calculated with a formula that lenders use to predict how much risk you are as a borrower. This score is one of the most important factors used when determining whether or not to lend you money and at what interest rate.
Bear Market Strategies
Bear markets present a challenge to even the savviest investors. It doesn’t matter if you have $1,000 in the market or $1 million, losing money hurts. It is during these declining markets your patience will be tested. If fear sets in, you might consider bailing out on your investment plan completely, which can do more damage than anything else.
Bear markets present a challenge to even the savviest investors. It doesn’t matter if you have $1,000 in the market or $1 million, losing money hurts. It is during these declining markets your patience will be tested. If fear sets in, you might consider bailing out on your investment plan completely, which can do more damage than anything else.
A Budget Can Improve Your Life
Twelve Reasons Budgeting Can Improve Your Life
Twelve Reasons Budgeting Can Improve Your Life
IRA Tips for Tax Time
2007 may be gone, but it isn’t too late to make 2007 IRA contributions. Unlike most tax tips that require action to be taken before December 31st, IRAs have an added benefit of being able to make prior year contributions up until April 15th. This is good news if you want to take advantage of the many tax benefits that these accounts provide.
2007 may be gone, but it isn’t too late to make 2007 IRA contributions. Unlike most tax tips that require action to be taken before December 31st, IRAs have an added benefit of being able to make prior year contributions up until April 15th. This is good news if you want to take advantage of the many tax benefits that these accounts provide.
Money and Unmarried Couples
Single couples living together face unique money issues. Learn the three most critical personal finance issues facing unmarried couples.
Single couples living together face unique money issues. Learn the three most critical personal finance issues facing unmarried couples.
Laddering CDs
Laddering Certificates of Deposit (CDs)to Maximize Your Earnings and Balance Risk and Reward
Laddering Certificates of Deposit (CDs)to Maximize Your Earnings and Balance Risk and Reward
5 Mistakes When Buying a Car
For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.
For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.
Introduction to Saving Money
The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
Collecting Child Support
Collecting Child Support. Unpaid Child Support plunges millions into poverty. Don't be one of them.
Collecting Child Support. Unpaid Child Support plunges millions into poverty. Don't be one of them.
Student Loans vs Mortgage
Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates
Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates
Choosing the Best Mortgage
Choosing the Best Mortgage for You. Why It's Important and How To Do It
Choosing the Best Mortgage for You. Why It's Important and How To Do It
Cut Spending Leaks
Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
Beware Payday Loans
Beware of Payday Loans: Dangerous Consumer Rip-Off
Beware of Payday Loans: Dangerous Consumer Rip-Off
Retirement Savings Late Start
Ten Tips for Late Starters To Boost Their Retirement Savings
Ten Tips for Late Starters To Boost Their Retirement Savings
Biggest Money Mistakes
Examples of Saving Big Money On Your Mortgage
Examples of Saving Big Money On Your Mortgage
Can't Pay Your Income Taxes?
What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing
What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing
Tying the Knot Financially
Tying the Knot: A Financial To Do List for Newlyweds
Tying the Knot: A Financial To Do List for Newlyweds
Fees When Buying a Home
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
Eliminate PMI
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
Dealing With Divorce
Dealing with the financial impact of divorce. Know your obligations and how to protect yourself financially
Dealing with the financial impact of divorce. Know your obligations and how to protect yourself financially
Guide Picks for Tax Software
Top Picks - Tax Preparation Software Reviews
Top Picks - Tax Preparation Software Reviews
401(k) Plans
Don’t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.
Don’t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.
Money for Couples
Money Guide for Married Couples
Money Guide for Married Couples
Credit Card Minimums Double
Your Monthly Credit Card Minimum Payments May Double
Your Monthly Credit Card Minimum Payments May Double
Save Money On Gas
13 Ways To Significantly Reduce Your Gas Costs and Save Money
13 Ways To Significantly Reduce Your Gas Costs and Save Money
Try Using Cash
If you are struggling to stay within your budget or always seem to spend more money than you should it might be a good idea to go back to using cash for daily purchases.
If you are struggling to stay within your budget or always seem to spend more money than you should it might be a good idea to go back to using cash for daily purchases.
Traditional IRA
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.
Personal Financial Plan
Step by step instructions for creating your own personal basic financial plan.
Step by step instructions for creating your own personal basic financial plan.
Should You Refinance?
How to Take Advantage of Lower Mortgage Interest Rates
How to Take Advantage of Lower Mortgage Interest Rates
A Financial Emergency
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
Rules of Thumb
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.
One-Stop Income Tax Guide
All About Income Taxes - Your One-Stop Income Tax Guide
All About Income Taxes - Your One-Stop Income Tax Guide
Net Worth Worksheet
Net worth worksheet for calculating how much you're worth financially
Net worth worksheet for calculating how much you're worth financially
Personal Finance 20s and 30s
Personal Finance in Your 20s and 30s
Personal Finance in Your 20s and 30s
Difference Between APR and APY
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Reduce Your Rates With a Call
As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.
As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.
Choosing a Roth IRA
Choosing a Roth vs a Traditional IRA
Choosing a Roth vs a Traditional IRA
What Are Stocks?
What are stocks? A simple explanation of stocks and how they work.
What are stocks? A simple explanation of stocks and how they work.
Mutual Fund Fees
To make the best decision when buying mutual funds, you need to understand mutual fund fees
To make the best decision when buying mutual funds, you need to understand mutual fund fees
Free Credit Reports
In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months. Your credit report contains the following information:
In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months. Your credit report contains the following information:
Before Buying a Home
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
The Minimum Payment Habit
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.
All About Financial Planning
One-stop resource for financial planning information
One-stop resource for financial planning information
Dave Ramsey
Dave Ramsey, One of America's Best Personal Finance Experts
Dave Ramsey, One of America's Best Personal Finance Experts
6 Retirement Mistakes to Avoid
We all make mistakes, but learning from our mistakes and identifying what mistakes to avoid can make a big difference. Here are six common mistakes people make with retirement planning that you should avoid.
We all make mistakes, but learning from our mistakes and identifying what mistakes to avoid can make a big difference. Here are six common mistakes people make with retirement planning that you should avoid.
529 Plans
Section 529 plans are a relatively new college savings vehicle that can make saving for college even easier.
Section 529 plans are a relatively new college savings vehicle that can make saving for college even easier.
How Much to Save for College?
How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.
How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.
Good News for Married Couples
The Tax Act of 2003 Ends the Marriage Tax Penalty for Many Couples
The Tax Act of 2003 Ends the Marriage Tax Penalty for Many Couples
Why You Need a Will
Do You Need a Will? The Answer is Probably Yes.
Do You Need a Will? The Answer is Probably Yes.
Choosing Health Insurance
Choosing Health Insurance - Striking a Balance Between Quality of Care and Your Wallet
Choosing Health Insurance - Striking a Balance Between Quality of Care and Your Wallet
How Bankruptcy Works
Bankruptcy - How It Works and How to Prevent It
Bankruptcy - How It Works and How to Prevent It
What Are Mutual Funds?
What Are Mutual Funds - A Simple Explanation of How Mutual Funds Work
What Are Mutual Funds - A Simple Explanation of How Mutual Funds Work
What Are Bonds?
What are bonds? A simple explanation of bonds and how they work.
What are bonds? A simple explanation of bonds and how they work.
5 Ways to Save on Gas
Make no bones about it, gasoline is expensive and it isn’t getting any cheaper. You don’t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.
Make no bones about it, gasoline is expensive and it isn’t getting any cheaper. You don’t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.
Smart Moves for College Grads
Five Smart Money Moves for New College Graduates
Five Smart Money Moves for New College Graduates
Insurance You Don't Need
There are some types of insurance that you absolutely should have but there are just as many that you are probably better off without. Some of these policies may sound like a good idea when in reality all you are doing is wasting money on the premiums.
There are some types of insurance that you absolutely should have but there are just as many that you are probably better off without. Some of these policies may sound like a good idea when in reality all you are doing is wasting money on the premiums.
COBRA Premium Reduction
What happens if you lose your job which also provided your health insurance benefits? This is not an uncommon problem as health insurance in this country is largely tied to employment. So, what can you do? Luckily, there is some assistance available. It’s called COBRA.
What happens if you lose your job which also provided your health insurance benefits? This is not an uncommon problem as health insurance in this country is largely tied to employment. So, what can you do? Luckily, there is some assistance available. It’s called COBRA.
Grocery Tips
Have you been shocked by your grocery shopping bills recently? You’re not alone. Inflation always has, and always will be around, but it is affecting food prices more than others. Most families find that when creating a budget, more effort is being made trying to save money on gas and groceries. Here are some tips that can help you keep your grocery budget under control.
Have you been shocked by your grocery shopping bills recently? You’re not alone. Inflation always has, and always will be around, but it is affecting food prices more than others. Most families find that when creating a budget, more effort is being made trying to save money on gas and groceries. Here are some tips that can help you keep your grocery budget under control.
How Much Do I Need to Retire?
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
Losing Your Job
Losing Your Job Without Losing Your Shirt: Be Prepared Without Being Paranoid
Losing Your Job Without Losing Your Shirt: Be Prepared Without Being Paranoid
Overdraft Protection
What's Your Overdraft Protection Costing You?
What's Your Overdraft Protection Costing You?
Everything Personal Finance in Your 20s and 30s
Erase your debt, personalize your budget, and plan now to secure your future with Everything Personal Finance in Your 20s and 30s
Erase your debt, personalize your budget, and plan now to secure your future with Everything Personal Finance in Your 20s and 30s
Get Money You're Entitled To
Find out if you're one of millions of Americans entitled to receive unclaimed money or property
Find out if you're one of millions of Americans entitled to receive unclaimed money or property
Shop Safely Online
Nine Tips to Shop Safely Online
Nine Tips to Shop Safely Online