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Budgeting
Cash stuffing gives your budget something a banking app may not: a physical stopping point. You place a set amount of cash in envelopes for groceries, dining out and other…
If you face a time when money is tight or when a few unexpected bills hit, you may also experience the challenge of a negative bank account — commonly known…
A personal loan can be a helpful financial tool, but only when you use it for the right reasons. If you’ve ever wondered whether taking one out makes sense for…
It might be true that money can’t buy happiness, but the right amount of money applied to a judiciously selected purpose packs the potential to render a certain amount of…
Your 20s are an exciting time – fresh starts, new jobs, and freedom that feels limitless. For many young adults, it’s easy to push financial planning to the back burner.…
Balancing the goals between paying off debt and saving money can be challenging. Both are essential for financial health but choosing where to focus your efforts depends on your unique…
Many American households are barely getting by on two incomes. They can’t even dream of surviving with one. Or can they? Almost 33% of families with children are single-income households.…
A High-Yield Savings Account is a popular choice for anyone looking to put some money away for future use. These high-performing accounts deliver a higher annual percentage yield (APY) compared…
It can be overwhelming to manage your everyday life while also trying to manage your money responsibly. That’s a lot of plates in the air for most of us. People…
Creating a proper budget is fundamental to good financial health. Indeed, it’s the most valuable lesson anyone can learn. Most Americans — 53% — agree with this, according to a…
Sources:
- Schomburgk, Lachlan; Belli, Alex; and Hoffmann, Arvid O. I. (2024, May 29) Less cash, more splash? A meta-analysis on the cashless effect. Retrieved from https://doi.org/10.1016/j.jretai.2024.05.003
- Consumer Financial Protection Bureau. (2018, November) Spending tracker. Retrieved from https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/
- Consumer Financial Protection Bureau. (2018, November) Creating a cash flow budget. Retrieved from https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/
- Federal Deposit Insurance Corporation. (2018, July 19) [2006] Fires, Floods and Other Misfortunes: Are You Prepared Financially? Retrieved from https://www.fdic.gov/consumer-resource-center/2006-fires-floods-and-other-misfortunes-are-you-prepared-financially
- Consumer Financial Protection Bureau. (ND) Regulation DD, Section 1030.7 - Payment of interest. Retrieved from https://www.consumerfinance.gov/rules-policy/regulations/1030/7/
- Financial Literacy and Education Commission. (ND) Save and Invest. Retrieved from https://www.mymoney.gov/saveandinvest