People give gifts for various reasons, including marking an occasion or event or showing love, thoughtfulness and caring. This year, there may be another reason behind a lot of gift giving: guilt. The NDP Group’s annual holiday survey, conducted in September, showed 40% of the 3,429 respondents planned to buy more gifts than usual because […]
How to Avoid the Trap of Guilt Giving This Holiday Season Read More »
One of the best things you can do for your financial health is to have multiple income streams. Whether your goal is to pay down debt, save and invest more, or even retire early — increasing your income is key. And thanks to the internet and technology, there are so many ways to make money
Thrift Store Flipping: 9 Easy Items to Resell for Profit Read More »
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California is home to low auto insurance minimums and premiums that are comparable to the national average. Plus, there’s even a statewide program to help low-income residents get more affordable coverage. Even with these perks, it’s smart to evaluate multiple providers to get the best car insurance in California with coverage that makes sense for
The Best Car Insurance Companies in California Read More »
OneMain Financial specializes in small to medium-sized personal loans for people who might not qualify at traditional banks or are no longer able to get new credit cards. Find out if it’s right for you here. OneMain Financial Review – Online Lender for Personal Loans is a post from Money Crashers. #financialfreedom #money #entrepreneur #business
OneMain Financial Review – Online Lender for Personal Loans Read More »
Conventional wisdom used to be that store credit cards weren’t always ideal for consumers. This was in part related to their often limited acceptance outside of a specific brand, as well as their high interest rates, low credit limits, and mediocre rewards and redemption options. But at least on that last point, conventional wisdom is…
Store Credit Card vs. General Card: Which Type of Rewards Card Is Best? Read More »
First, the good news: We as a country have reduced our credit card debt since the coronavirus pandemic began. Revolving credit, which includes credit cards, dipped below $1 trillion in May for the first time since September 2017, according to the Federal Reserve. Since revolving credit reached a high of nearly $1.1 trillion in February,
Not Using Your Credit Cards? 3 Ways to Keep That From Hurting You Read More »
One of the first and easiest steps you can take with your finances is to create a budget calendar. It’s an effective way to understand what your income and expenses look like, without having to try and remember off the top of your head. Typically, you think you’ll remember everything and can manage your money
The Budget Calendar: What Is It And Do You Need One? Read More »
Political pressure is building to discuss our nation’s $1.6 trillion in student loan debt. In fact, last month more Google searches for “student loan debt” were made than ever before. 1.6 trillion is a difficult number to visualize or wrap your head around. We love playing with data and thought we’d take a unique perspective
With so many of us dealing with the coronavirus pandemic (plus the financial fallout from it) and spending more time at home this year, there’s a very good chance your family budget looks different. Our own budget had some big adjustments (transportation costs went down to basically nothing) along with some minor changes (buying supplies
How to Include Some Guilt-Free Spending in Your Budget Read More »
While many people dislike the idea, regifting unwanted presents can actually work when you do it tactfully, carefully, and with the right amount of thought. Instead of passing an unwanted gift to the next victim or keeping it around knowing you won’t use it, follow these simple regifting rules. 9 Rules for Regifting Unwanted Gifts & Presents –
9 Rules for Regifting Unwanted Gifts & Presents – Etiquette Read More »
Hotel credit cards can, of course, earn you points to put toward complimentary stays. But some of the best products in this category go further, offering an automatic free night each year to cardholders, separate from any points you’ve earned. Or, in lieu of an outright free night award, other cards may offer “paths” to this…
Top Hotel Credit Cards That Offer Free Anniversary Nights Read More »
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. 2020 was bad — for a lot of reasons — and in addition to a global pandemic and political division, it also did a number
These Financial Resolutions Can Rescue Your 2021 Read More »
One of the challenges for many people when it comes to their finances is controlling how much they spend. It’s easy to fall into the trap of impulse buying and feeling the rush of instant gratification. But it can quickly deteriorate and cause you to rack up debt, have a difficult time saving money, and
What is the 30-Day Rule? Manage Your Impulse Spending Read More »
Dear Penny, I got married at 19 and divorced in my early 30s. During my 20s, I didn’t work much because I stayed at home raising three kids, but I’ve worked full time ever since my divorce. I’ve never earned above $54,000 a year, which is what I’m making now. I’m turning 62 next year
Dear Penny: Do I Need Ex-Husband’s OK to Get His Social Security? Read More »
The options available for student borrowers and for student loan consolidation can seem almost endless. There are public student loans and private student loans, and they come in an enormous variety of lengths, interest rate, and monthly payments — it seems like deciding which student loan is the best for you can seem like a
The Difference Between 10-Year vs. 20-Year Student Loans Read More »
If you’ve got a dog or cat, odds are you also have ripped couches, urine-stained rugs and floors that have seen better days. But replacing your furniture, ripping up rugs and refinishing your floors every time your pet decides to leave its mark isn’t really an option for many reasons, not least of all the
6 Easy Ways to Pet-Proof Your Furniture, According to Experts Read More »
While learning money skills early in life will be greatly beneficial to you, many times we don’t really pick up on these knowledgeable insights until we reach our 20s. But even then with personal finances, many will still struggle. Generally, this is a financial literacy issue, where we aren’t taught finances via our education system
The Basic Money Skills You Must Try to Master Before Turning 30 Read More »
Richard Lachmann’s book manages to connect status and national choices — making us realize that some failures aren’t far from home. All good things come to an end — including the global dominance of the United States. In First-Class Passengers on a Sinking Ship: Elite Politics and the Decline of Great Powers, Lachmann compares the
The Decline of the U.S. Has Already Begun Read More »