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It’s never too early to teach your kids the value of a dollar. As a parent, you have a lot to share with your children about earning, saving, spending, and managing money responsibly. And because personal finance courses aren’t typically offered in grade schools and even high schools – currently only four states require a one-semester course in personal finance for high school graduation �... Continue Reading »

From building a credit history to financing a short-term purchase, a credit card can really come in handy, but the sheer number of options available can be overwhelming – and leave you more than just a little confused. With so many different credit cards and rewards programs out there, how do you know which one is right for you? Here we help you sort out the choices by looking at the top four co... Continue Reading »

ATM safety is something we often take for granted. We drive up to use the ATM to either withdraw cash or make a deposit and assume that there is no risk or chance of foul play. ATMs are such a part of our everyday lives that it can be easy to feel a false sense of security, but it’s important to be mindful of potential risks. Keep the following ATM safety tips in mind the next time you use on... Continue Reading »

The toughest math test for many college students is making their money last through each month. That’s why living on a budget is so important. With plenty of bills and limited time for work, cash is tight for almost every student. Thankfully, with these ten budgeting tips, you can make your money go further and build financial habits that pay off for a lifetime. 1. Write a budget down and t... Continue Reading »

There are many myths when it comes to finances and credit, but one that’s particularly misleading is that moving credit card balances to multiple cards will help someone “hide” debt on a credit report. Unfortunately, many people find out the truth too late: Not only does that sneaky tactic keep debt on your report, but it can actually harm your credit rating too. Talk about a backfire. ... Continue Reading »

You’re likely familiar with credit card interest rates, but it can be confusing to choose a card based on those big, bold numbers – especially with annual fees, introductory rates, and balance transfer offers. Here’s a simple answer to the question of what constitutes a good credit card interest rate: A “good” rate these days starts at about 7.75 percent interest, with no annual fees.... Continue Reading »

When it comes to your finances, a small spark can ignite spectacular results. Even seemingly minor decisions can have long-term benefits, like lighting a fuse on an amazing fireworks display. Here’s a roundup of our best money management tips, to help you find your spark: 1. Put together a realistic budget.Because this task feels like a chore, many people put it off or skip it altogether.... Continue Reading »

Establishing a viable budget after landing your first full-time job is tricky, usually because it’s difficult to imagine exactly how many places your money has to go. You’ll soon discover, though, that without a plan, your finances can quickly run amok. Read on to help get your financial house in tip-top shape. Budget framework When establishing a budget, it’s a good idea to get your pla... Continue Reading »

Credit cards can be a useful part of your financial toolbox. Along with enabling you to purchase items now and pay for them later, credit cards can also help you build your credit score. But don’t start filling out that application until you have a good understanding of how credit cards work. It’s easy to sign on the dotted line, but it isn’t as easy to understand the fine print that weaves... Continue Reading »

Don’t let your vacation dreams turn into an excuse to quit living on a budget or start racking up credit charges that you’ll spend months paying off. With a little smart planning now, you can enjoy a great summer without worrying about financial repercussions. Plan within your means If a week at an all-inclusive resort isn’t realistic, set your sights elsewhere. Don’t fall into the t... Continue Reading »