The cost of a degree is so much more than a single bill—you need to factor in where you’ll be living, how you’ll get from point A to point B, and how you’ll satisfy your hunger for food and fun. Each collegiate expense can be put into the category of either fixed or variable. Fixed
Credit cards aren't for everyone, but if you decide to get one, make sure you choose a credit card that works best for you. Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions: Why do you need a credit card?
Bankruptcy is a tool that can help you find financial stability—but only as a last resort. Understanding Bankruptcy Congress created the Bankruptcy Code, a breakdown of ways a debtor can plan to get out of debt when their creditors are trying to collect. The option to file for personal bankruptcy is there to help a
Credit doesn’t have to be a difficult concept for kids to grasp. In fact, a lot of the protocol backing credit usage is fairly relatable to kids of all ages. But that’s just it, not all ages are capable of understanding the same credit concepts. Breaking up the concepts throughout the life of an aging
If you’ve got student loan debt, you’re not alone. There are more than 43.6 million borrowers with student loans, and an average balance of around $38,000 in federal and more than $40,000 in private loan debt. Paying back your balance—no matter the amount—can feel overwhelming. Focus first on finding a repayment path that works for
Un presupuesto práctico y viable es una de las herramientas más importantes de su arsenal de bienestar financiero. Puntos de partida Su presupuesto es su plano maestro para mantener un flujo de dinero positivo y para ceñirse a sus objetivos de ahorro. Si tiene pareja, es fundamental que tengan un presupuesto familiar general. Ese panorama
La regla 50/30/20 es una regla básica, simple y práctica para las personas que desean un presupuesto sencillo y eficaz. Ofrece una guía para disfrutar de sus ingresos, mientras ahorra en piloto automático. Los seres humanos somos falibles; por eso, a veces necesitamos una guía. Si tiene dificultades para entender un mar de sistemas y
Ganar y gastar dinero es parte de la vida financiera cotidiana. Administrar su dinero exitosamente requiere que sepa cuáles son sus ingresos y sus gastos. Esto se reduce a la cantidad de dinero que ingresa y el modo en que gasta el dinero que tiene. Con esos dos factores, puede comparar sus recursos con la
Sometimes the ideal job comes with a less-than-ideal commute. From money spent on gas to lost time to the mental toll of sitting in traffic, commuting costs a lot. Luckily, there are a few things you can do to save. Avoid Rush Hour Time spent in the stop-and-start of rush hour traffic burns a lot
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal.Starting PointsYour budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals.If you have a partner, it's essential to have one overall household budget. That big picture is indispensable for having a good sense, based
The traditional envelope budgeting system uses a budget binder or a box with envelopes to store paper bills. Each envelope is designated for a specific expense or savings goal—rent, entertainment, vacation, bills, etc. How Does the Cash Envelope System Work? Envelope budgeting helps you keep track of both income and expenses. The idea behind an envelope
The difference between what you expect to get paid and what actually lands in your bank account can be, well, surprising. A chunk of this difference goes toward payroll taxes. Like the name implies, payroll taxes are taxes taken out of your wages and paid to the government. What’s Taken Out Unlike health insurance or
