Saving Money

Best Travel Credit Card for 2015

If you’re looking to plan an upcoming summer vacation, the best travel rewards credit cards can help you come up with some extra savings on airfare, hotels, and general travel. All of these top travel cards offer lucrative points bonuses and superb options to earn and use points for maximum value. The best travel rewards …

The Best Airline Credit Cards of 2015

This year, I decided to take a fresh approach to the best airline credit cards. With rising fares and falling oil, no one knows the future for air travel prices, but these cards will still offer you great sign-up bonuses and the ability to earn air miles in your frequent flier program to put towards …

The Best Hotel Credit Cards for 2015

In Part 4 of this series, I write about the best hotel credit cards. If you missed the other parts, I already covered the best all-around rewards credit cards, best airline credit cards, and the best cash back credit cards. In 2015, the best hotel credit cards still offer impressive perks and rewards for frequent …

Best Rewards Credit Cards of 2015

My Favorite Rewards Credit Card combo for 2015 Chase Sapphire Preferred® + Chase Freedom® 2015 marks a big year for changes to many of the best credit cards in the U.S. By October of this year, you will most likely be issued new cards containing a microchip. It seems that EMV technology, which boasts better …

Best Cash Back Credit Cards for 2015

In 2015, you won’t see significant changes from many of the best cash back credit cards, but there are a few improvements with rewards programs that will benefit cardholders. For example, some of the rotating category cash back credit cards have now added groceries as a quarterly item to earn rewards on. In the past, …

Ceiling Fan Hacks to Save Energy (and Money)

Summer’s just about here, and you’ve probably had to kick on the air conditioning a few times already. For some people, that’s the beginning of a series of very big electric bills. But while a typical central air conditioning unit uses 3,500 watts of energy when running, the average ceiling fan uses only 60 watts — even when …

Five Things I Was Willing to Give Up to Save Money

Several years ago, my husband and I realized that we weren’t realizing our financial potential. We weren’t hugely in debt or spending frivolously… but we were getting ready to have a family. And although it wasn’t any sort of emergency, something about the prospect of having kids made us realize how important it was for us …

Categories: Frugality, Saving Money

12 Items That Pay for Themselves Tenfold or More

When you’re trying to live a frugal lifestyle and save money, it can seem counterintuitive to buy anything new. Yet, that’s exactly what many money-conscious people do. The difference is, those who have mastered the art of frugality don’t just buy things; they invest in them. And they don’t just invest in “stuff;” they invest …

How to Find the Best Savings Account in 2015

Looking for places to grow your money without much risk is difficult these days, but finding the best savings account might be a good place to start. Although your money will be safe there, the average American is hardly capitalizing getting rich on rates today. According to CNN Money, the average savings account last year …

Categories: Banking, Saving Money

How to Save Money: 100 Great Tips to Get You Started

No matter where you are on your financial journey, you need to know that it’s possible for anyone to turn their financial life around. Sometimes all it takes is that first step in the right direction to get things moving in your favor. But, as with most things, sometimes that very first step is the …

40 Ways to Save Money on Monthly Expenses

One of the biggest challenges in personal finance is figuring out ways to spend less money — and one of the best ways to accomplish that is to cut down on your monthly expenses. Even though some of our regular bills might seem small and insignificant on their own, their cumulative effect can be enormous …

How to Create a Bare-Bones Budget

Whether you’re struggling to get your debt under control or simply want to build up an emergency fund or a down payment as quickly as possible, a bare-bones budget is a powerful tool to help get you there. It’s just what it sounds like: your essential expenses, and nothing else. A simple, stripped-down budget can be helpful for an aggressive …

13 Ways to Save Money and Protect the Planet at the Same Time

With Earth Day 2015 almost upon us, it’s a good time to think about how our actions impact the planet and, more importantly, what we can do to reduce our carbon footprint and improve our environment. Because, let’s face it, this is our home. And right now, it’s the only place we’ve got. 13 Ways …

How to Live on Last Month’s Income

For a long while, I’ve been an advocate of You Need a Budget, which is a software package and philosophy that I use for budgeting. I’ve used it for years. The core idea behind You Need a Budget is represented in these four rules: Rule One: Give Every Dollar a Job Rule Two: Save for …

Categories: Saving Money

Five Ways to Write Off Your Next Vacation

Planning a vacation and dreading all the costs? While there are many ways to spend less on vacation, there’s another route to try if you want to travel at a discount: Write off a portion of your trip on your taxes. The savings won’t be immediate, but you’ll appreciate them come tax time next year. The trick is, you’ll …

Categories: Saving Money, Taxes, Travel

Roth IRA vs 401k? You May Not Have to Choose

One of the most common retirement questions I get asked is: Roth IRA or 401(k)? Although both are good options worth considering, the answer isn’t always as straightforward as one might think. Also, it’s crucial for you to understand that you may not even need to pick one or the other. If you’re able to …

Buying a House? How to Save for a Down Payment

By Peter Miller Saving for a new home has just become easier. Both Fannie Mae and Freddie Mac say they will now buy mortgages with as little as 3% down, a big drop from the old 5% minimum. Even though conforming loans are now easier to get because down payment requirements have been reduced, there’s …

Categories: Housing, Loans, Saving Money

A Simple Trick to Get Organized With Your Money

What did you buy today? No, really. I want to know everything you bought. Sit and think about it. Did you buy a meal out, school supplies for your child, a bathing suit online, or, ahem, a new “control” key for your Macbook Pro after your 1-year-old ripped it off? Well, perhaps that last one …

Six Biggest Myths About 529 Plans

By Kathryn Flynn A college degree is worth more today than ever before. In fact, according to a study by Pew Research, young adults with a four-year degree earn around $17,500 more per year on average than those with only a high school diploma. So the question for most families is not “will our children …

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