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AJ Smith

Contributor |  In Personal Finance, Mortgages

AJ Smith is an award-winning journalist with more than a decade of experience in television, radio, newspapers, magazines and online content. She currently serves as the managing editor for SmartAsset. AJ has a passion for meeting new people, sharing stories and helping others. She has degrees from Princeton University and Mississippi State University. AJ and her husband also write and illustrate educational children’s books.

5 Ways to Boost Your Retirement Savings

Personal Finance

5 Ways to Boost Your Retirement Savings

5 Ways to Boost Your Retirement Savings

Even if you haven’t yet entered the working world, you can probably assume you will want to retire and some point. While most Americans have similar goals for a debt-free, affordable post-working life, you might not realize how much work (outside the office) it takes to get there. You probably are not saving enough, or… Read More

Buying a Home? Be Ready for These Closing Costs

Mortgages

Buying a Home? Be Ready for These Closing Costs

Buying a Home? Be Ready for These Closing Costs

For most of us, there’s no bigger purchase than buying a home. And with big purchases, even minor fees can carry a big price tag. Before signing the paperwork and taking on a mortgage, it’s a good idea to get educated about the process. Many people either don’t know or forget to factor in the… Read More

4 Reasons You Could Be Denied a Mortgage

Mortgages

4 Reasons You Could Be Denied a Mortgage

4 Reasons You Could Be Denied a Mortgage

So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can… Read More

4 Big Refinancing Questions Answered

Mortgages

4 Big Refinancing Questions Answered

4 Big Refinancing Questions Answered

You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be… Read More

8 Ways to Be a More Frugal Foodie

Personal Finance

8 Ways to Be a More Frugal Foodie

8 Ways to Be a More Frugal Foodie

We all know that eating out can be expensive, but it turns out that cooking for yourself can also be costly. Since food is not an expense we can afford to cut out completely, it’s a good idea to consider cutting back — without sacrificing taste. Check out these tips to save money in your kitchen… Read More

5 Essentials for Getting a Good Car Deal

Auto Loans

5 Essentials for Getting a Good Car Deal

5 Essentials for Getting a Good Car Deal

We’ve all heard terrible stories of car salesmen charging more than a car is worth. We’ve also heard of excellent bargainers shaving hundreds (or even thousands!) off of a car’s sticker price. Buying a car is a major purchase, so it’s important to calculate a budget you can afford, put in the necessary research and… Read More

8 Fun & Cheap Date Ideas

Personal Finance

8 Fun & Cheap Date Ideas

8 Fun & Cheap Date Ideas

We all know that going out can be expensive, but it is possible to have a date on a budget. Whether you are meeting someone for the first time or looking for a new and different experience with an established partner, you are probably looking for an idea other than making dinner at home and… Read More

4 Tips for Living Without Credit Cards

Personal Finance

4 Tips for Living Without Credit Cards

4 Tips for Living Without Credit Cards

Credit cards can be good financial tools for the responsible consumer. In this day and age they can also feel absolutely essential since some stores, vendors and even airlines require plastic (though you can use a debit card too). But credit card spending can also lead to debt if not done responsibly. Switching to a cash-only… Read More

4 Tips for Selling Your Home Without a Realtor

Mortgages

4 Tips for Selling Your Home Without a Realtor

4 Tips for Selling Your Home Without a Realtor

Buying a home is the biggest financial investment most people experience. When you are ready to sell your property, your first instinct is likely to search for a real estate agent, but while a real estate agent can help in many ways, this isn’t always necessary. You can sell your home without an agent. If… Read More

The Unexpected Ways Refinancing Can Save You Money

Mortgages

The Unexpected Ways Refinancing Can Save You Money

The Unexpected Ways Refinancing Can Save You Money

Refinancing your home can help lower your monthly mortgage payments or get your home paid off faster – if executed properly. Refinancing won’t eliminate your debt, but it can restructure your debt to better suit your needs. If you are considering getting started on the process, it’s important to think about both the immediate and… Read More

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