couple on the beach

Don’t Waste Your Tax Refund: Four Better Ways to Use It

Your tax refund could pay for a one-week vacation now… or an early start to the permanent vacation of retirement. According to the IRS, the average tax

teenage girl texting

Three Simple Money Management Lessons for Teenagers

When teens buy something with their own money, they’ll usually take better care of it. Photo: Jhaymesisviphotography My most important goal for my children is that

walking a slackline in the park

Balancing Act: Pay Down Student Loans or Save More?

Find the right balance between paying down student loans and saving for retirement. Photo: Jakub Michankow You’re finally there: You’ve graduated from college after many hard


Barclaycard Review: Arrival™ World MasterCard® Annual Fee vs. No Annual Fee

For a multitude of reasons, the Barclaycard Arrival™ World MasterCard® is considered one of the best credit cards around. Still, there’s a lot of curiosity


Can Cash-Back Rewards Beat Your Savings Account?

Are you tired of earning less than 1% on your savings? You’re not alone. With interest rates hovering near record lows for the past few

Kindergarten graduation

More Than One Kid? How to Save for College

Expecting lots of caps and gowns in your future? Here are tips on saving for more than one child’s education. Photo: Josh Granier A reader named

gas station attendant using register

Getting Rich on a Small Salary

How can a gas station attendant amass an $8 million fortune? Cut out frivolous spending, and invest the money instead. Photo: Strawberry Popcan Once every

woman and tow truck operator observing broken-down car

Dealing With an Unexpected Financial Blow

Keeping an emergency fund for situations like this will make them at least a little less stressful. It was the most bizarre sound I’ve ever

man counting money with calculator

60 Simple Rules of Personal Finance

The most important rule of personal finance? Spend less than you earn. A while back, I was asked to give an hourlong presentation where I

working in coffeeshop

Six Big Financial Differences Between a Normal Job and Self-Employment

Self-employment offers immense flexibility, but the irregular income means you’ll need to plan ahead to get through lean times. Photo: Kate Hiscock In 2008, I took the

State of the Union address 2015

Proposed Changes to 529 Plans Would Dampen Their Appeal

In his State of the Union address Tuesday, President Obama proposed changes to 529 college plans that may force the 7 million families using them to


Why Your Budget Needs a Buffer

Including a buffer in your budget will help cover unforeseen expenses, such as car repairs. Photo: Craig Tire When my husband and I discovered zero-sum


Guide to Self-Directed IRAs

A self-directed IRA could give you a bigger bag of money for retirement. But they carry their own set of restrictions — and risks. Photo: 401(k) The history of

Helping kids with college Photo: bradleypjohnson

10 Financial Mistakes Too Many Parents Make

Parents, start saving for college early, and help your child through the financial aid process. Photo: bradleypjohnson Every loving parent has hopes and dreams for their children,

Man climbing stairs

Your Game Plan for Escaping the Paycheck-to-Paycheck Cycle

Taken one step at a time, simple – but lasting – changes can help you escape the paycheck-to-paycheck treadmill. Photo: arileu Right off the bat, I want to

Credit cards

Five Money Mistakes We’ve All Made

Buying something you can’t afford is bad enough. Paying for it with a credit card is worse. Photo: Sean MacEntee It can be hard to admit

driving a car

Why You Probably Don’t Need Rental-Car Insurance

Before you hit the road in your rental car, check whether you really need that extra insurance. Photo: Aurelio Firmo Your bags are packed, you’ve found


How to Save Money When You’re Single

Crock pots are great, but they’re not the only way for singles to save money. Photo: Janine If you’re single and haven’t been told to