When you start paying attention to your finances, one of the first things you'll want to do is start an emergency fund. The idea behind the emergency fund — which should eventually be enough to pay for three to six months of living expenses — is that you should be able to use it for an unexpected … [Read more...] about Where should you keep your emergency fund?
If you’re like most people, you take care of most of your finances online these days. While you might have once been hesitant about online banking or typing in your credit card number to buy that sleek new laptop, now, you’ve probably come around to thinking nothing of depositing checks using your … [Read more...] about The ultimate guide to protecting yourself from identity theft and financial fraud
Most people will agree that clutter is bad. It takes up valuable space in your home, is difficult to clean around, and makes it hard for you to keep organized and find things. Cleaning out your household and clothing clutter can earn you money if you choose to sell it, but that can take time and … [Read more...] about Got clutter? Donate and save on taxes
One hurdle many would-be home buyers face – or think they face — is the need to come up with a big chunk of cash to make a 20% down payment. The good news is that you don’t have to have 20% down, even in today’s tight credit environment, to buy a house. Buyers with good jobs and decent credit can … [Read more...] about How to buy a house with 5% (or less) down payment
Your first day at a new job is a whirlwind experience. Between meeting new colleagues, learning your way around, and the unavoidable lengthy training from HR, you have a lot to keep you busy. But somewhere buried in that big packet of benefits is information on your new 401(k) plan. Making the right … [Read more...] about Choosing the best 401(k) investments
It doesn’t seem like long ago that spending thousands of dollars on a DVDs and CD collection made a lot of sense. But with today’s options for online streaming and on-demand content, the need for physical media has gone by the wayside as easier and cheaper versions of watching your favorite movies … [Read more...] about How to profit from your old CD and DVD collections
I hadn’t planned to get a new dog after my beloved Daphne died just short of her 15th birthday. However, I developed a bad habit of scrolling through the adorable faces of dogs up for adoption at my local Humane Society. As soon as I spotted Matilda and her huge ears, I had to jump in the car and … [Read more...] about 6 ways to cut the cost of pet care
If you’ve never taken advantage of the many free tax-filing options out there, you could be missing out. There are several free – or low cost – options available that will not only save you a few bucks, but will help simplify the process as well. Here is a look at some tax filing services that … [Read more...] about Free and low-cost ways to file your taxes online
Even if you’re expecting a tax refund, this time of year can be, well, taxing on your wallet when it comes to paying for tax preparation services. According to a National Society of Accountants survey, hiring a tax return preparer cost an average of $273 for an itemized Form 1040 with Schedule A and … [Read more...] about Where to find free help with your taxes
Many experts will tell you that to get rich, you should live below your means. That is, spend less money than you earn. Sounds simple enough. But this advice holds true, whether your income is $25,000, $50,000, $100,000, or $1 million a year. Of course, it is easier to live below your means if … [Read more...] about Want to get rich? This is the secret
IFTTT is a web and smartphone app that is all about automating small tasks to save you time in your day-to-day life. IFTTT stands for “If This Then That,” and works just like it sounds. By creating a trigger and a follow-up action with one of the 367 supported services, you can automate everything … [Read more...] about Automate your digital life with IFTTT
I recently saw an interview with the Acting Director of the Social Security Administration (SSA) discussing retirement preparedness in the US. The statistics she gave were startling: For 61 percent of elderly beneficiaries, Social Security provides the majority (more than 50 percent) of their … [Read more...] about How much will I get from Social Security?