Helpful tips for financial planning and getting your finances under control. Plan for a healthy financial future.

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How to Lend Money without Ruining Your Relationship: 6 Questions to Ask Yourself

Lend money to friends and family

While the labor force continues to grow, Bankrate’s most recent Financial Security Index survey reveals that the savings rate Americans continues to trend downward. In January, only 39% of people surveyed said they had enough in their savings account to cover an unplanned expense of $1,000 (this was especially true for those making less than […]

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The Relationship Between Money and Happiness: Can Your Income Solve Your Problems?

Money and happiness: Father and son

We may have been told that money can’t buy happiness, but research shows that for most of us—at least up to a point—the two really are linked. In January 2018, the journal Nature Human Behavior published a study that that says individuals reach a point of “income satiation” when they earn between $60,000 and $75,000 […]

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Returning to Work after 60? You’re Not Alone

Man returning to work after 60

Recent research reveals that more and more Americans are returning to work after retiring from their primary careers. In fact, in 2016 more than 18% of Americans 65 or older were employed—the majority of them full-time. That number was up 6% from just 6 years earlier. As reported by The New York Times, some seniors […]

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Money Script: How to Ask for a Raise

Woman asking for a raise

Receiving a raise can be one of the easiest ways to increase your savings. Even if you invest just half of the monthly increase into your emergency fund, your retirement account, or your children’s college account, you are on your way to greater financial wellbeing without much more effort on your end. Prior to President […]

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Could Your Student Loans Be the Key to Building Your Emergency Savings?

Student looking at computer at student loan debt

It’s not hard to believe that people who have managed to set aside money in case of emergencies enjoy a greater sense of “financial wellbeing.”  Freedom from worrying about the “what ifs” and a sense of pride in achieving a monetary goal would make anyone feel good. In reality, however, barely half of Americans have […]

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Impact of Student Debt on Young Employees

the impact of student debt on young employees infographic

Young workers are worried about repaying their student debt, according to a recent survey by American Student Assistance®, a private nonprofit dedicated to eliminating finance as a barrier to education. They are highly stressed out about debt, which is impacting their productivity at work. The Young Workers and Student Debt survey polled 502 young workers […]

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7 Best Websites for Easy and Cheap Meal Recipes

Family eating cheap meal recipes

When the U.S. economy took a plunge back in 2008, the amount of money Americans spent eating out took a parallel plunge. But since 2010, that number began to rise once again. In fact, it surpassed 2007’s previously highest dollar amount just 2 years later. We get it. Eating out is convenient: there’s little planning, […]

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How (and What) to Negotiate with Your Credit Card Company

Credit cards: How to negotiate with your credit card company

Most credit card holders think that late fees, annual charges, and interest rates are set in stone. Yet a 2017 survey by CreditCards.com found that 84% of cardholders who picked up the phone and asked for better terms were told “yes.” When negotiating with credit card companies, it helps to have a strong credit history […]

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Financial Literacy Month: It’s Not Just Money, It’s Your Life

Imagine your spouse of 30 years dies suddenly of a heart attack, and amid your fog of grief, you don’t realize you haven’t paid your power bill for three months. The power company is threatening to shut your lights off, and you don’t have the money because you drained your savings account to pay for […]

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16 Reasons You Need an Emergency Fund

16 Reasons You Need an Emergency Fund

1. Job Loss Whether you are unexpectedly laid off or fired, or you have to leave a job for personal reasons, living without a paycheck is extremely stressful. You need a stash of cash to make ends meet between jobs. 2. Hours or Salary Cut Maybe you still have a job, but your salary or […]