Finance

3 in 10 Americans Have More Credit Card Debt Than Emergency Savings

To save, or to pay off debt? That is the question. While the answer should be fairly obvious, a recent survey shows that Americans are struggling with this decision quite frequently, and the results are of an ominous sort.

10 Decent Shopping Portal Bonuses from Acorns

We’ve previously talked about the micro investing site, Acorns, on here, and how it can be a great way to get started in investing, by rounding up the spare change from your purchases, for investing.  The company has been making strides into other ways you can earn money, through their Acorns Spend card, as well as brands willing to invest in you (similar to shopping portal payouts).  This month, there are 10 brands with payouts that might be worth checking into.

A New Way to Help Pay Down Your Credit Cards

Now that the holidays have passed, your credit card bills with your holiday spending may have started to trickle in.  Most by now have heard of various debt paydown methods like the snowball and avalanche, both of which have their advantages in their own right. 

But could there be a better way, that helps to even make sure you don’t run into late payments any more either?

An Inspirational Money Story To Help With Your Goals This Year

In our New Year’s podcast, we talked about how this time of year is a great time to start to figure out your New Year’s goals and resolutions. In the financial sense, it can be a huge move, because time is on your side, especially if you have large purchases coming up, that you know you can set aside a certain amount for, like semi-annual car insurance payments, etc.

Saturday Savings: Tips for College

When it comes to saving for college, it can really do a number on the finances for families.  However, when it comes down to it, it can still be a great investment.  Jobs of the future are almost a certainty to require a college degree at a minimum.  If parents or grandparents have the means to be able to afford to save in advance for college, these tips should help.

How To Turn Your Lease Equity Into Cash

Ah the lure of small monthly payments when it comes to car leasing.  Almost all of the time though, leasing benefits the dealer/car makers more than the car buyer though.  Edmunds has three great ways to turn your car equity into cash if you’re able.

The Envelope Budgeting System Can Be Great...Until It Gets Shredded

Many may be familiar with the envelope budgeting system, where you figure out your discretionary income, decide on your budget categories, and then put actual cash into each envelope for those categories.  Then, once the cash is gone, that’s it for that category, unless you move it to another envelope.  It’s a great way to stay accountable.  However, you may wish to make sure your envelopes are in a safe place, out of the reach of little ones.  One couple found this out the hard way.

Continuing In Your Education - A Good Investment?

We previously wrote about things to consider if you were thinking of changing your career, and the resulting implications. Today, we examine what to consider if you’re thinking of continuing your education, particularly from the financial side.

When It Comes to Budgeting, Keep It Simple...Saver

When It Comes to Budgeting, Keep It Simple...Saver

Shannon Marie, writing for the YNAB Blog:

This is a huge perk when you consider that, in a given day, we only have so much cognitive energy. And when you think of all the things we fill our lives with—jobs, friends, kids, neighbors, hobbies, and so on—it’s easy to see how precious that energy is.