Budgeting

Who needs a budget anyway?

If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats, and you can’t seem to find money to put into savings, then you probably need a budget.

Here’s all you need to know about striking a balance when borrowing for your business:

When trying to trim a monthly budget, most people don’t consider their fixed expenses. These recurring costs, which include mortgage payments, insurance premiums and subscription payments, are easy to budget and plan for since they generally remain constant throughout the year. While people tend to think there’s no way to lower fixed expenses, with a bit of effort and research, most of these costs can be reduced.

Here are five ways to trim your fixed expenses.

As part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your head while you dream of what you’re going to do with your first paycheck.

Before you start planning a one-in-each-color shopping spree at the mall or a weekend in Vegas, check out our list of responsible things to do with your first paycheck.

Choosing to pay a bill with a card can have a significant impact on your general financial wellness — for better or for worse. That’s why it’s important to consider the many variables of this decision before going ahead with it.

Let’s take a closer look at the pros and cons of paying monthly bills with a credit card or debit card.

We all grow up hearing the same financial advice: Spend less, save more, and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.

Outlined here are 7 money myths that might be causing you more financial stress than benefit.

Leaving college often means the start of a new job, student loan debt to pay off, new living arrangements to pay for and other new expenses to cover. All of this means your finances will likely need an overhaul. It’s time to create your post-college budget.

Giving yourself an end-of-year financial review is a wonderful way to check on the progress you’ve made toward your goals, highlight areas needing improvement and update your accounts, funds, and investments.

Here’s all you need to know about this important end-of-year ritual.

What makes us overspend? Let’s take a look at five common reasons and how we can overcome them.

You need to build up your savings, but it always seems to get bumped down your to-do list.

Here are some simple steps to start saving today.

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again.

Because of this recurring pattern, you’re probably wondering if there’s a better way. Fortunately, the answer is yes!

Whether you’re only thinking about having a baby, or your due date is fast approaching, there’s no need to stress about finances. By taking the necessary measures today, you can learn to cover these new expenses without falling into debt.

Here are some steps you can take to prepare financially for a new baby:

Being financially fit is crucial for a well-balanced, stress-free life. Here’s why (and how):

Don’t get sucked in again! Before you say “yes” to a large purchase, ask yourself these 7 hard-hitting questions.

You just may end up leaving that “dream” product in the store.

Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills on time. You may be wondering, though, if more is better. Should you open a few more and get more available credit? Or are too many cards a liability to your score?

Read on for the answers to all your questions.

Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.

Triumph over your loans by using one or more of these tricks to make them shorter and pay less interest.

You deserve to keep more of your money!

The holidays are over, and if you’ve gone over budget with your spending, it’s time to deal with the aftermath. Instead of living in a financial deficit, take steps to repair your budget as soon as the last guest leaves. 

Making a vacation budget is not as difficult as it may seem. All it takes is some careful planning, quick calculations, and the willpower to follow it. Here’s what you need to know about making a vacation budget.

Preparing for retirement is a major life event that requires decades of planning. Retiring alone can be even more daunting because you’ll need to take specific steps to ensure you’re ready to leave the workforce and live out your years on your own.