Christmas lights draped over piggy bank

How To Save Big While Budgeting For The Holidays

Although we see it coming every single year, the holidays always seem to catch us- and our wallets-by surprise. In fact, this year alone, Americans plan to spend about $983 on holiday shopping alone- not including expenses like travel and time off work. For most of us, this can make or break our budget for the year. But it doesn’t have to be that way! Holidays can be expensive, but they don’t have to be!

Here are a few ways to still have an amazing holiday- without breaking the bank.

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credit card consolidation loans

How To: Save Money Paying Off Credit Card Debt

Keeping up with your credit card payments is already a challenge, but managing multiple cards on top of your student loans or mortgage can feel impossible. What’s worse is if you have revolving credit card debt; average households owe over $16,000, so even just the monthly interest can be a significant expense!

 

If this sounds like your financial situation, read on! Some strategies for making this debt a lot more manageable are headed your way.

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Millennials: Afraid of Paying with Plastic? Think Again

Millennials—like any other generation—are wary of a number of things… like cable and sketchy Tinder dates. And, as it turns out, also credit cards.

 

In fact, a 2016 Bankrate survey found that only 33 percent of 18- to 29-year-olds own a credit card, which is an alarmingly low percentage. As a 24-year-old, I understand why younger adults who are still trying to get a good grasp on their finances are hesitant to really utilize that piece of plastic. After hearing horror stories of how unpaid bills destroyed someone’s credit score and cautionary tales of drowning in debt, how can you blame us?

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Eating Out

How to Save Big When It Comes to: Eating Out

Here’s the first entry in our new How to Save Big series. With this series, we show you how to curate big savings in all aspects of budget without changing up your lifestyle. We start with showing you how to save when it comes to eating out.

Would you believe that the average American spends over 4.5% of their annual stated income on prepared food, such as restaurants and takeout? Translated that to an annual salary of $55,000 – this constitutes almost $2500 spent on eating out! Though dinner prices seem like they are what they are, there are actually several ways you can save. Here are a few tips.   Continue Reading

Credit card - Credit score

Quiz: How Much do you Really Know about Credit Score?

Your credit score is undoubtedly one of the most important aspects of your personal finance portfolio. It has an impact on your ability to secure a home loan, auto loan, and affects your credit interest rate, among other things. It’s important to ensure you have a solid foundation of knowledge about this score so you can achieve your goals.

Take this credit score quiz to test your credit knowledge. To see if you answered correctly, just skip to the end to see the answers.   Continue Reading

6 Ways to Stay Within your Wedding Budget

Weddings are an occasion many people dream about for years. Let’s fast forward to the big day. You’ve finally found the person you want to spend the rest of your life with. You’ve diligently planned your wedding budget, only to realize that – you’ve overspent significantly. This is the case with 74% of American couples, all of whom go over their wedding budget by an average of $12,000 dollars.

We’ll show you six ways to stick to your budget and avoid this common wedding mishap.  Continue Reading

saving money

An Intern’s Guide to Saving Money

I thought my financial woes would go away with my first paycheck. Boy was I wrong.

If, like me, you’re fresh out of school and find yourself suddenly swamped with grown-up matters — disposable income, rental fees and striking a balance between living comfortably and sufficiently saving — you probably also thought: I need a strategy to save more money. Read on and find out how I do it!
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tips for budgeting as a couple

4 Tips for Budgeting as a Couple

When tying the knot, you’re committing yourself to a shared life and financial responsibilities.

Financial problems, if left unchecked, can ruin marriages. It is important that you and your plus one have a common understanding about each other’s attitude and values about money, agreement on financial responsibilities, and how you want to budget and plan your finances. When it comes to managing a household together, it is important to work as a team. Here are some helpful tips:

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