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5 Ways to Save Money This Holiday Season (Without Disappointing Anyone)

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It can be tricky when things come up like holidays, especially those gift-giving holidays, because they also coincide with events like buying new winter clothes for my kids, or family parties, teacher gifts,” she says. Refuse to enter January with a new pile of credit card debt There’s a reason credit card companies love the holidays.

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8 Pieces of Financial Advice for New College Graduates

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After all, learning how to manage your finances before money mistakes happen can help you avoid easy-to-make slip-ups like dings to your credit score or an overdrawn bank account. Before you start divvying up your paycheck into budget lines, it’s a good idea to decide first how much savings you need to set aside for a rainy day.

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Bad Credit 101: The Small Mistakes That Are Killing Your Score

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You just applied for a credit card, or maybe it was a new apartment or a loan, and you got denied. You were under the impression that your credit was solid. It just sucker punched you in the face, so now you’re wondering what’s causing your bad credit score. Using too much credit isn’t good.

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7 Travel Tips and Tricks for Navigating Obstacles on Your Next Journey

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If you still end up forgetting your medication, your doctor may be able to call in your prescription to a local pharmacy where you’re vacationing. You should also check to see if your credit card offers travel insurance , which can help cover expenses like unplanned hotel stays and meals.

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12 Essential Tips Every Solo Traveler Needs to Know

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Use the cloud Scan or take photos of your flight and hotel confirmations, credit card and insurance cards, and any other documents that might be useful. A sheet has multiple uses, including covering up questionable bedding, being a light blanket, or even being a towel if needed.

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Everything You Need to Know About Emergency Funds

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If you’ve ever had to pull out a credit card to deal with a dentist or emergency vet bill, you likely know the pain of wondering how you’ll pay for an unexpected expense. Break the total you’re aiming for into a monthly savings target and set up automatic withdrawals on payday to help you contribute without thinking about it.

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What Is My Net Worth?

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You may be spending more than you earn and using credit cards to help you cover expenses. Zero : If you add up all of your assets and liabilities and come up with zero, you are balancing debt and income. Liabilities are debts you owe others, like a loan or a balance on a credit card.