Many people view college as an investment of time and energy that can help them get ahead. By earning a college degree in an in-demand field, they can position themselves for a profitable career that will stand the test of time.
Unfortunately, college requires more than time and energy; it requires a considerable financial investment, too. Consider the fact that the average tuition paid for the 2017-2018 school year worked out to $9,970 nationally for public, four-year universities. When you add in other costs like books and room and board, the annual costs soar to $20,770 per year. And even public, two-year schools cost students an average of $11,970 per year when you add in the extras that make attending college feasible.
An emergency can hit your home at any time — whether it be a citywide natural disaster, or an isolated crisis such as a house flood or fire.
We tend to think of financial fraud as a retiree problem. After all, older adults are more likely to be sitting on a large nest egg and are often resistant to getting financial help from others for fear of losing independence.
The rich keep getting richer. Even among high net worth families, the fastest growing group is the richest — those with $5 million or more in investable assets, according to the Phoenix Wealth & Affluent Monitor. That group grew 8 percent in the U.S.
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Even though Disney parks are notoriously expensive, there are still plenty of ways to save. If you're on a tight budget, you could visit a Disney park for only one day and spend the rest of your trip at the hotel pool, for example.
Everyone knows how important it is to save for retirement. However, actually setting aside money for your future can be challenging. When you're short on cash and have other demands on your budget, there might be little to nothing left to put toward your nest egg.
A smart thermostat can automatically adjust the temperature when no one is home to save you money every season. It can save energy and may even help you qualify for energy-saving programs and utility rebates.
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Vanguard, the mutual fund company, recently published a free retirement planning guide for folks like me who aren’t interested in hiring a professional financial advisor. Vanguard’s Roadmap to Financial Security is a 32-page document intended to provide DIY investors with a framework for decision-making in retirement.
Here’s an excerpt from the intro to this retirement planning guide:
Retirement is complex. In the face of often competing goals and numerous risks, the choices can be overwhelming, leaving many retirees unsure of where to begin. To help balance the many decisions to be made, we have constructed a retirement planning framework that allows retirees to capture their unique priorities and use their financial resources in a way that best aligns with achieving their goals and mitigating their risks.
I have a few close professional acquaintances (other people who work from home and produce online content) that like to meet up for lunch about once a week. I get a lot of social and professional value out of meeting this group for lunch and so I’ve stuck with this group for many years even though many of them weren’t really concerned about being cost-conscious with this lunch.
Originally, we ate at nicer restaurants and the people involved would often have a drink or two with the meal and order a really nice entree. I’d go along but try to dig through the menu for inexpensive options because, as always, I was pretty conscious of the price.
Your credit reports can tell lenders a lot about you. Credit reports reveal how you pay your bills, whether on-time or late. They also indicate how you manage your credit card accounts, such as whether you’re paying off the balance each month or revolving debt. And, your credit reports even show how often you’ve applied for new credit in the past 24 months.
Of course, not everything about you will be included in your credit reports. Certain information isn’t allowed to be included on a credit report because of federal law. Other information isn’t on your credit reports by a matter of choice. Here are 10 pieces of information you won’t find on your credit reports.
Your credit score is one of the most important markers of your financial wellbeing. A strong score will net you the best interest rates on car loans, a mortgage, and credit cards.
Introverts love to travel as much as extroverts, they just prefer to skip places teeming with tourists.
My son recently got accepted into a college program that would cost about $45,000 per year for tuition, room, and board. This is exciting news — but also potentially expensive news.
You've been trying to use a budget, but it isn't going so well. Don't give up just yet: Before you throw in the towel, see if any of the following five issues (and remedies!) might pertain to your situation. If so, a budget makeover may be in the cards.
1.
For the most part, snail mail is becoming a thing of the past. Email and texting allows people to send and receive messages instantly, and it's easy and cheap to send cards and invitations electronically.
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Fast food apps are increasing in popularity. Not only can they save you time, and help you avoid the hungry crowd with mobile ordering, but they can also save you money. Sure, fast food is known for being affordable, but fast food apps can actually help you score free food.
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