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.

3 Money Mistakes That Can Torpedo Your Marriage

3 Money Mistakes That Can Torpedo Your Marriage

3 Money Mistakes That Can Torpedo Your Marriage

As if discovering the love of your life is messier than you thought, doesn’t really love jazz or is chronically late weren’t enough, couples also have to find ways to deal with differing financial habits — from the merely annoying (sending dollar bills through the laundry) to the serious (hiding debt). The good news is more couples… Read More

6 Tips to Lower the Cost of Your Teen’s Car Insurance

6 Tips to Lower the Cost of Your Teen’s Car Insurance

6 Tips to Lower the Cost of Your Teen’s Car Insurance

In the vast majority of American households, there are two words that – when combined – can send a chill down parents’ spines. Those two words are: teenager and license. The reasons why are obvious. According to the CDC, 16- to 19-year-old drivers are at greater risk for being involved in car accidents than any… Read More

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

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