Author: Janet Siroto

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How Much Actual Physical Cash Should I Have Access to at All Times?

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How Much Cash Should I Have on Hand? Are you wondering, “How much cash should I have on hand?” There are two ways to look at …

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Quiz: Are You Actually Financial Literate?

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Financial literacy is a way of saying that you have a good working knowledge of the basics of managing money and using it to reach your …

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5 Things Mortgage Lenders Look At Before Approving You

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Getting a mortgage can be one of the biggest financial undertakings a person can make. What’s more, it also unlocks the path to what is typically …

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Do You Know What The Prime Interest Rate Is Right Now? You Should

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The prime interest rate is the interest rate that banks charge their best customers. It’s the lowest rate offered to individuals and corporations that are considered …

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5 Crucial Steps To Start Repairing Your Credit

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Negative marks can stay on your credit report for seven or even 10 years. But if you are having trouble managing your finances, don’t panic. Many …

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What Is Credit Card Churning & Does It Still Pay Off In 2024?

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Credit card churning describes when you open and then close a credit card to snag sign-up rewards. Given how much competition there is for your business …

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7 Free & Powerful Online Calculators For All Your Money Concerns

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Your personal finances can be an important but challenging aspect of your life to manage. Even if you are brilliant at math, computing things like the …

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5 Smart Ways To Pay For Emergency Car Repairs This Year

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Almost everyone needs to finance car repairs sooner or later. It might be a breakdown on the highway, a fender bender at the supermarket parking lot, …

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The best times to make these big purchases in 2024

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If you’re making a big purchase, it can pay (literally) to know when prices are lowest, such as Black Friday, Cyber Monday, and other sale dates. …

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What happens to your debt after a divorce?

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If you’re getting divorced, you are going through a major upheaval on many fronts, including your financial life. You may wonder (and worry) about how your …

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How to afford a new roof in 2024

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Your home’s roof can take a beating, whether roasting in the sun during the summer, getting coated with ice in winter, and withstanding wind and rain …

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Over 30? Here’s how your credit card debt stack up to your peers

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The average credit card debt for someone in their 30s is $4,110, but that only tells part of the story about what America owes on their …

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I don’t have any money saved. How can I still pay off my debts?

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It’s no secret that many Americans are carrying high-interest debt. Cumulative credit card debt passed the $1 trillion mark in the second quarter of 2023, a …

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5 ways to combat sky-high credit card bills in 2024

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If you’re confused by all of the fine print that accompanies a credit card offer or the thought of an annual percentage rate (APR) calculation makes you wince, …

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The ultimate debt payoff guide for 2024

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Most of us have debt, whether that means a student loan, a car loan, a credit card balance, or a combination of these. Although there are …

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The average American pays this much for daycare: How to make it more affordable

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Raising a child could be one of the most rewarding experiences you’ll ever know, from watching your little one grow, seeing their interests take shape, and …

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How much credit card debt is too much?

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Credit card debt is usually high-interest debt, meaning what you owe can snowball. You might charge some holiday gifts, then need new brakes, and then a …

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5 budget-friendly ways to increase your home’s value in 2024

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If you own a home, you probably always have a list of improvements you’re considering. Maybe you desperately want to replace those dated kitchen appliances that …

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How to avoid most credit card fees in 2024

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Most Americans swipe and tap their way through the day, using credit cards for a variety of purchases. Plastic is quick and convenient, and it can …

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Your complete guide to managing credit in 2024

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Here’s how the story of the first credit card goes: Businessman Frank McNamara was having dinner at a New York City restaurant in 1949 when he …

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Is it ever smart to use buy now, pay later programs for holiday gifts?

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Buy now, pay later (or BNPL) is a kind of installment payment plan. It can give consumers the option of making a big purchase today and …

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This is how much insurance costs Americans at every age

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Buying life insurance is a big decision — one that is often a long-term commitment — so you are probably wondering how much it will cost. …

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Does everything you need to know about finances fit on an index card?

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Money management can be complex, but what if the best, smartest advice could fit on one little index card? That’s the idea behind the financial index …

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6 healthy habits that’ll save your finances this holiday season

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Good money habits can set you up for financial success. They act like guardrails, keeping you moving towards positives (like an impressive retirement fund) and away …

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23 ways to make quick cash online & offline

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Many people hit a time when they could really use some additional cash. Perhaps you moved to a new town and need to put down a …

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You’ll never guess how much home ownership really costs in the US

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If you’re preparing to join the ranks of homeowners, whether you are just starting to daydream about it or are actively scanning listings, it’s important to …

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Don’t know who regulates your bank? Find out, ASAP!

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If you’re curious about how banks are regulated and your money is protected, it’s important to understand that multiple agencies help keep America’s financial institutions safe …

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Are even rich Americans looking to save big this holiday season?

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How America shops is shifting in a fundamental way. Shoppers are turning to discount stores such as Dollar Tree, ALDI, and Big Lots more often, driven …

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15 creative & cool savings tricks that’ll take the stress out of holiday shopping

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You may not think of saving money as being a creative pursuit, but with a little effort, you can find fresh (and even fun) ways to …

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Americans are afraid of credit card fraud. So why are they still have these lazy habits?

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Think for a moment about all the personal information floating around online: We chronicle our activities on Insta and TikTok, send payments to keep the lights …