Budgeting
12 articles
You can sit down and make a budget that covers all your regular expenses. But real life has a way of interfering with your financial plans. Learn about the most common types of unexpected expenses and how to plan for them.
According to a 2017 CareerBuilder survey, 78% of all workers say they live paycheck to paycheck. It’s not just low-wage workers who have this problem, either. Nearly 1 out of 10 workers making $100,000 or more say they always or usually live paycheck to paycheck, and 59% of them are in debt. Living paycheck to
FamZoo and Greenlight are family-friendly budgeting and financial education solutions built around prepaid debit cards for kids. They have a lot of features in common, but there’s plenty to distinguish the two apps. Which is right for your family? Learn about these two apps to decide for yourself.
When you’ve recently graduated from college, the world can seem like your oyster. After four years of unpaid internships or part-time jobs, you suddenly can see full-time employment with a full-time salary on the horizon. But sometimes, finding a full-time job can be more difficult than you thought it would be – and you may find
Perhaps you have a new job, are a newlywed, or have recently committed to a personal savings plan. Whatever your life stage, you’ve surely heard that regularly contributing to savings is an important financial strategy. You know to save for emergencies, retirement, college, and large purchases such as cars and homes, but where do you
What’s the real difference between a need and a luxury? The answer is less than clear-cut. But there are several schools of thought to help you better define those terms for yourself and take control of your spending.
Whether it’s from job loss, a drop in income, or an unexpected expense, sometimes, it’s a struggle to pay your bills. It’s essential you prioritize your bill payments and what you owe, paying the most important bills first. But how do you prioritize when your income and expenses don’t match up?
Say, for example, that a married couple makes a total of $100,000 a year. Both spouses work hard for their money, and enjoy spending their discretionary income. But who gets to spend more on discretionary purchases if one spouse makes $30,000 a year, while the other makes $70,000? Can each spouse still respect and love
Tracking what you spend is an essential element to financial planning. But it is most valuable if you use the information to better direct your financial resources going forward. One way to do this is to create an allocated spending plan. With such a plan, you decide where every dollar you make goes before you
If you’re like many people, you’ve set one or more financial goals for yourself. You might be trying to stick to a personal budget, save more for retirement, pay off your credit card debt, build an emergency fund, or buy a house. There’s just one small problem: You want the reward, but don’t want to do the work
Ah, that fresh new budget smell. You know the one – it’s laced with the good intentions of making a commitment to spend better. You might print it out and stick it to your fridge, or simply vow that you’ll live by it faithfully from now on. Of course, after the honeymoon period, there’s a
Moving out of your parents’ house just may be the most important step you take toward independence. You can finally live by your own rules, without curfews or restrictions, and take care of responsibilities on your own schedule and in your own way. However, as appealing as this may sound, the freedom of living on
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