Personal Finance

Our team of experts is here to help provide unbiased, common-sense personal finance advice & insights. Get money management tips & ideas, learn how to improve your budgeting and receive guidance on how to save & invest your money to drive greater returns. These are just some of the personal finance topics our experts address.

How Our Holiday #SpendingFreeze Is Going: Week 2

How Our Holiday #SpendingFreeze Is Going: Week 2

How Our Holiday #SpendingFreeze Is Going: Week 2

Inspired by a recent article, several Credit.com staffers are tracking their own personal spending freeze on social media. You can follow their progress as they stop spending and start preparing for the holidays using the hashtag #spendingfreeze on Facebook and Twitter. We’ll also be updating our readers weekly with our insights and struggles on the blog… Read More

How to Plan for Retirement When Your Spouse Won’t

How to Plan for Retirement When Your Spouse Won’t

How to Plan for Retirement When Your Spouse Won’t

There are few things more frustrating than having a partner who won’t partner up and take care of business when it comes to retirement planning. When they live their lives without thinking about the future or doing anything about it, you are left holding the bag and in a world of worry. No bueno. You… Read More

8 Secrets to Making a Budget You Can Actually Live With

8 Secrets to Making a Budget You Can Actually Live With

8 Secrets to Making a Budget You Can Actually Live With

Some people refer to budgets as a “money diet.” That’s an unfortunate choice of words given the negative connotations associated with dieting: reduced options, deprivation, maybe even pain. That’s not to say that diets aren’t important. And just as with budgeting, you feel optimistic: I will eat better, exercise more, lose weight and be able to… Read More

5 Signs You Can Retire Early

5 Signs You Can Retire Early

5 Signs You Can Retire Early

While you’re at work, it can be comforting to dream about the possibility of retirement — planning the activities, calculating how much savings you need to retire and beginning the countdown. But maybe you don’t have to wait as long as you thought. If you are willing to work hard and plan harder early in your… Read More

Government Workers Go On Credit Card Spending Spree & You Get the Bill

Government Workers Go On Credit Card Spending Spree & You Get the Bill

Government Workers Go On Credit Card Spending Spree & You Get the Bill

A lot of people have trouble keeping their credit card spending under control — ideally, those people aren’t government employees using taxpayer-funded payment cards. In a congressional hearing Tuesday, federal auditors described purchase-card misuse across several government departments, amounting to millions of dollars of misused or wasted government funds. It’s not the first time this problem… Read More

Why the Feds Need to Step In on Payday Loans

Why the Feds Need to Step In on Payday Loans

Why the Feds Need to Step In on Payday Loans

The Pew Charitable Trusts recently released the fourth report in its series Payday Lending in America. The focus this time is on fraud and abuse in online lending. The report calls out payday loan structures that are designed to prolong indebtedness by front-loading fees on loans that average 650% APR. It also describes incidents of unauthorized withdrawals… Read More

4 Consumer Rights You Didn’t Have 40 Years Ago

4 Consumer Rights You Didn’t Have 40 Years Ago

4 Consumer Rights You Didn’t Have 40 Years Ago

In 1974, if you wanted to watch a television show, you’d better make sure you were near a TV when it aired, because chances are you didn’t have any way to record it. Grocery store employees put price tags manually on every item in the store, and then manually entered them into the cash register… Read More

How Our Holiday #SpendingFreeze Is Going: Week 1

How Our Holiday #SpendingFreeze Is Going: Week 1

How Our Holiday #SpendingFreeze Is Going: Week 1

Inspired by this article, several Credit.com staffers are tracking their own personal spending freeze on social media. You can follow their progress as they stop spending and start preparing for the holidays using the hashtag #spendingfreeze on Facebook and Twitter. We’ll also be updating our readers weekly with our insights and struggles on the blog —… Read More

I Made My Own Wedding Dress for $30

I Made My Own Wedding Dress for $30

I Made My Own Wedding Dress for $30

A Seattle woman took the DIY-wedding trend to a new level when she handmade her wedding dress for all of $30 — while riding the bus to work. Chi Krneta’s mom taught her to sew when she was a teenager, and making clothes has been a hobby of hers ever since. When she started planning… Read More

Why You Feel Like You’re Broke

Why You Feel Like You’re Broke

Why You Feel Like You’re Broke

You have a steady job, but when it comes to paying the bills, you feel like you’re living paycheck to paycheck — what’s up with that? “I think there are a lot of people out there who feel that way,” said Kendra Hudson, a certified financial planner at Woodward Advisors in North Carolina. “It’s true… Read More

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