Budgeting & Goals
25 Tips for Sharing Expenses with Roommates
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Having roommates can be a great way to reduce your monthly living expenses. It can also mean living in a bigger apartment or a nicer area than you could otherwise afford. But negotiating finances with friends (or strangers) also comes with potential pitfalls, especially if you have roommates who don’t always pay what they owe, […]

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APY vs. Interest Rate
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percentage sign

Researching and comparing rates at financial institutions before borrowing money is a typical step when looking for a loan. You may be presented with interest rates and annual percentage rates (APRs) of current loan programs being offered by the institution. On the other hand, when it comes to saving money, you might shop around for […]

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Using Collateral on a Personal Loan
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Using Collateral on a Personal Loan_780x440

There are a lot of reasons someone might need an injection of cash and seek out a loan from a bank: For emergencies, home repairs, to pay off credit card debt with a lower interest rate loan. One consideration when taking out a personal loan is whether it is secured or unsecured. A secured loan […]

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Ways to Avoid Monthly Account Maintenance Fees
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woman paying bills bed laptop

Many financial institutions charge a monthly fee just for having an account. Often called “maintenance” or “service” fees, these charges tend to be most common with checking accounts, but some banks levy monthly fees for savings accounts as well. Maintenance fees are also typically charged on top of other common bank fees, such as overdraft […]

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The Problems with Checking Account Interest Rates
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woman making deposit on phone

When was the last time you thought about your checking account? If you’re like many people, it was probably the last time you wrote a check or paid a bill that wasn’t set up on autopay. Checking accounts tend to exist in the background of our lives, warranting so little thought that many of us […]

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9 Cheapest Pets to Own
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9 Cheapest Pets to Own_780x440

Pets can bring love, companionship, stimulation, and fun into your life. But they can also bring a lot of added expenses. In fact, the lifetime cost of owning a dog is estimated to run around $15,000. Cats are not far behind, ringing up at roughly $12,000 over the course of their lives. If you’re yearning […]

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Ways to be a Frugal Traveler
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woman with a suitcase

It is said that there are two types of travelers in the world: those who look for a deal and those who don’t. They could be on the same flight, staying at the same hotel, eating the same food, and taking the same excursions. But, they might be paying wildly different prices for the exact […]

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7 Steps That Can Help Get Your Financial House in Order
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7 Steps That Can Help Get Your Financial House in Order_780x440

Just like having your home in order can help make life easier and less stressful, having your financial house in order can save you time and worry. It can also help you spend less, save more, and work more effectively towards your financial goals Your “financial house” refers to all the aspects that go into […]

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How to Save Money From Your Salary
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woman office phone

When times are tight, it can feel as though putting even a few dollars away every month is next to impossible. How can you save money when you have a low salary and so many expenses? There are ways to get that arrow moving in the right direction—even for those who are new to working […]

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How to Open Your First IRA
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How to Open Your First IRA

Saving for retirement may be the biggest financial goal many of us will ever set. So it makes sense to explore all retirement savings options, including an IRA. The sooner you open your first IRA, the more opportunity your savings have to grow over time, potentially leading to a nice nest egg upon retirement. There […]

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