7 Ways to Manage Money Better than Your Parents Did

Personal Finance

7 Ways to Manage Money Better than Your Parents Did

7 Ways to Manage Money Better than Your Parents Did

Every generation has their own habits when it comes to money. Whether it was our parents stashing cash in paint cans or their bedroom mattresses, or our great grandparents balking at investing after the Great Depression, generational events help mold how we manage our lives. Sometimes it’s a good thing. Learning to be frugal after living... Read More

The Best Investment for Your Lump Sum

Personal Finance

The Best Investment for Your Lump Sum

The Best Investment for Your Lump Sum

Money doesn’t usually come out of nowhere, but when it does, it’s nice to have some idea of how to use it. Whether your lump sum arrived as a tax return, a bonus, an inheritance or a larger-than-expected gift from a family member, Shelly-Ann Eweka, a Denver-based financial adviser with TIAA, has suggestions on what to... Read More

6 Ways to Save More Money Every Month

Personal Finance

6 Ways to Save More Money Every Month

6 Ways to Save More Money Every Month

If saving money was easy, everyone would be doing it. Unfortunately, the excuses for not are easy to stack — what with mortgage or rent, utilities, kids, student loans, pets, food and just the slightest social life, it can seem like there isn’t a penny to spare. The trick to saving more is to make it... Read More

How to Set Up Your First 401K

Personal Finance

How to Set Up Your First 401K

How to Set Up Your First 401K

So you’ve decided to save for your retirement using your company’s 401K plan. Congratulations! It’s a great way to save. But now what? Which funds do you choose? How much should you contribute? Are there limits? How do your employer’s matching funds actually work? Can you access the money if you need it before retirement?... Read More

50 Money Moves to Make Before Graduation

Students

50 Money Moves to Make Before Graduation

50 Money Moves to Make Before Graduation

If you’re a senior in college, or the parent of one, you’re probably counting down the days until graduation. But are your finances prepared for the big step? Don’t worry if they’re not — most students feel overwhelmed by the task of managing money. To give you the confidence you’ll need to succeed in the real world, we’ve compiled a list... Read More

6 Things Everyone Should Be Doing to Build Wealth

Personal Finance

6 Things Everyone Should Be Doing to Build Wealth

6 Things Everyone Should Be Doing to Build Wealth

The idea of “building wealth” isn’t just for rich people. In fact, if the word “wealth” has you envisioning fancy people spending summers in Cinque Terre on their private yachts, it might be time to reconsider what wealth really means. Wealth, in general, can mean ensuring that you have enough to adequately cover what you... Read More

How to Save Money by Spending It

Personal Finance

How to Save Money by Spending It

How to Save Money by Spending It

All the experts seem to say the same thing: “If you want to save money, stop spending it.” Stop buying lunch. Don’t buy a coffee in the morning. Cancel your cable. They make it sound so easy to save money! But I like buying lunch. I’m a zombie without my morning coffee. And I really enjoy... Read More

These Are the Areas Where It Costs the Most to Retire

Personal Finance

These Are the Areas Where It Costs the Most to Retire

These Are the Areas Where It Costs the Most to Retire

How much will you need to retire? $500,000? $1 million? $2 million? There’s no easy answer. Some people won’t be able to enjoy their dream retirement without millions of dollars in the bank. Others will try to get by with $100,000. It depends on your lifestyle. It also depends on where you live, according to... Read More

39 Ways to Do March Madness on the Cheap

Personal Finance

39 Ways to Do March Madness on the Cheap

39 Ways to Do March Madness on the Cheap

The NCAA Division I Men’s Basketball Tournament is almost here. It’s the biggest event in college hoops, and following the unpredictable 68-team tournament can lead to big costs for hardcore fans. The average fan spends about $211 on March Madness expenses, according to Sara Skirboll, a shopping and trends expert for RetailMeNot, a shopping deals... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team