Articles

3 Money Talks to Have with Your Significant Other

Posted by on Feb 11, 2016 in Articles, Uncategorized | Comments Off on 3 Money Talks to Have with Your Significant Other

For Shanice Miller, something just didn’t quite add up about her ex-beau’s finances. When she would suggest they eat at $10- or $15-per-plate eateries, his reaction was as if she’d insisted they go to fancy five-star restaurants. And in order to take a trip to California, he had to scrimp and save for a full year. Although that wouldn’t seem out of the norm for someone on a tight budget, he made $75,000 a year, wasn’t paying much to rent his room, and seemed to have few other major expenses—at least that she knew of. “He told me I was...

read more

7 Ways Millennials Can Get a Jump-Start on Retirement Planning

Posted by on Feb 9, 2016 in Articles, Uncategorized | Comments Off on 7 Ways Millennials Can Get a Jump-Start on Retirement Planning

It’s quite fashionable these days to moralize about the shortcomings of the entire Millennial generation. And the latest fodder for critics is a recent survey by finance site HowMuch.net that shows more than 50% of those ages 18 to 34 have less than $1,000 in savings. But before you wag a finger at those young whippersnappers, keep in mind the hard reality is that Americans of every age stink at saving. According to finance portal Go Banking Rates, 62% of all Americans have less than $1,000 saved. But rather than debate which generation...

read more

3 Retirement Lifestyle Mistakes to Avoid

Posted by on Feb 4, 2016 in Articles, Uncategorized | Comments Off on 3 Retirement Lifestyle Mistakes to Avoid

New retirees are often eager to vacation and enjoy some of the wealth they have been accumulating for decades. There can be a huge temptation to buy a vacation home or timeshare in a fun location, since you finally have time to relax. Some retirees also make large recreational purchases, such as a boat or RV. But expensive purchases at the beginning of retirement can turn out to be a big mistake that puts a strain on your finances for years to come. These three consumer trophies can quickly turn out to be landmines, and there are often other...

read more

How to Travel More for Less in 2016

Posted by on Feb 2, 2016 in Articles, Uncategorized | Comments Off on How to Travel More for Less in 2016

Have you ever wondered how your friend can afford to be a globe-trotter? One month you see photos of her in front of the Taj Mahal and the next she’s posing at the Eiffel Tower. Four years ago, I decided to make traveling a priority. Since then I’ve been to over 25 countries. Trust me, rolling in money isn’t a prerequisite for either of those memorable photos. Here’s how to satisfy your wanderlust without going broke this year. Keep your travel days flexible. According to FareCompare, the cheapest days to purchase airfare are Tuesday,...

read more

5 Retirement Planning Mistakes and How to Fix Them

Posted by on Jan 28, 2016 in Articles, Uncategorized | Comments Off on 5 Retirement Planning Mistakes and How to Fix Them

It’s not too late to fix a retirement planning mistake. The average 65-year-old man retiring this year can expect to have another 17 years of living in front of him, according to the National Institute on Aging. For a woman, that number jumps to 20 years. That’s a lot of time to travel the world, enjoy hobbies and make memories with family and friends. On the other hand, it can also be a lot of time to stress about rising expenses and dwindling assets. Fortunately, if you plan correctly, you can minimize the chances of ending up with...

read more

8 Tips for Eating Healthy on a Budget

Posted by on Jan 26, 2016 in Articles, Uncategorized | Comments Off on 8 Tips for Eating Healthy on a Budget

You can find healthy items even on a budget. It’s the troubling reality: You can order a double cheeseburger from a fast food joint for a buck. Grab a salad from a grocery store, on the other hand, and you could end up paying $7 or more. Eating healthy may be wonderful for your body and mind, but it can take a toll on your wallet. A study from Harvard School of Public Health found that found that the healthiest diets cost about $1.50 more per day, or $550 more per year, than the least healthy diets. That means eating healthy end up...

read more

4 Worst Times to Tap into Your Emergency Savings

Posted by on Jan 21, 2016 in Articles, Uncategorized | Comments Off on 4 Worst Times to Tap into Your Emergency Savings

Having an emergency savings fund provides a sense of security. It’s a good feeling to know that you have cash when you need it most. But how do you know when and when not to tap into your fund?  What really qualifies as an emergency? The Cheat Sheet is here to help out. Here are a few situations when it’s best to leave your stash alone. Your friend or family member asks for a loan First of all, know that you will probably never see this money again. Friends and family are less likely to return the full amount borrowed. Second, realize that if...

read more

Best and Worst States at Managing Money

Posted by on Jan 19, 2016 in Articles, Uncategorized | Comments Off on Best and Worst States at Managing Money

Montana residents have a lot more going for them than breathtaking views, good microbrews and excellent skiing. They are also very skilled at managing their own credit and debt, according to a report released Wednesday. Residents of Big Sky Country scored the top spot of all 50 states based on a money-management score, according to a study by CreditCards.com. South Dakota, North Dakota, Maine and Vermont rounded out the top 5. The study compared each state’s average credit score with its median income. “I wasn’t terribly...

read more

8 Tactics to Lower Energy Costs on the Coldest Days

Posted by on Jan 14, 2016 in Articles, Uncategorized | Comments Off on 8 Tactics to Lower Energy Costs on the Coldest Days

Challenge yourself to lower the thermostat a few degrees, and see the savings add up. It’s one of the painful truths of winter: As the temperature drops, the energy bill goes up. In many parts of the United States, heating bills during the winter months can be extremely painful, and any strategy that helps to keep those costs in check can make a big difference. Here are eight strategies that work in concert to keep those energy bills from devouring all your money. Keep the thermostat low. This is the key to any strategy for saving home energy...

read more

4 Building Blocks of a Secure Retirement

Posted by on Jan 12, 2016 in Articles, Uncategorized | Comments Off on 4 Building Blocks of a Secure Retirement

It can be a scary proposition to leave behind the security of a regular paycheck and face the blank slate of constructing your own new lifestyle. Will you be able to support yourself? Will your health hold out? What will you do with all the time? Of course, you can’t predict the future. You might suffer an unexpected illness that will leave you dependent on caretakers, or an economic disaster that reduces your standard of living. But barring a life-altering event, here are the four cornerstones of retirement security. Be prepared. The...

read more