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.

Celebrating National Cut Your Energy Costs Day

Celebrating National Cut Your Energy Costs Day

Celebrating National Cut Your Energy Costs Day

January 10th is National Cut Your Energy Costs Day. It’s about sustainability. It’s also a day to think about energy consumption and how you can reduce costs while being more eco-friendly. If you’re looking for ways to save money, then January 10th should be a big day on your calendar. This is a great opportunity... Read More

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

[DISCLOSURE: Credit cards from our partners are mentioned below.] For some, the gift of a gift cards is the perfect present. Maybe that’s why sales of gift cards were projected to hit 160 billion U.S. dollars in 2018.1 But perhaps there’s no better gift than rewarding yourself when you buy a gift card for someone... Read More

What Is an Amortization Schedule?

What Is an Amortization Schedule?

What Is an Amortization Schedule?

Amortization is an accounting term. At the highest level, it means to spread out expenses over time. In business, it means to spread out expenses for assets over time for tax and/or accounting purposes. For banking, it means to pay off a debt, typically a mortgage or car loan, in regular installments by following a... Read More

Car Insurance: Liability vs. Full Coverage

Car Insurance: Liability vs. Full Coverage

Car Insurance: Liability vs. Full Coverage

Most people need car insurance in order to drive legally. Car insurance has two main categories: liability and full coverage. The two types of car insurance will cover you in different circumstances. They also come at two very different prices. This article will cover the difference between the two types of car insurance coverage. Liability Coverage  Liability car... Read More

Money Order vs Cashier’s Check—What’s the Difference?

Money Order vs Cashier’s Check—What’s the Difference?

Money Order vs Cashier’s Check—What’s the Difference?

Money orders and cashier’s checks are both ways to make a payment. They both look much like an everyday check. That might be way many people don’t really know what a money order versus a cashier’s check is. What’s a Cashier’s Check? A cashier’s check is a check issued and guaranteed by a bank. Instead... Read More

5 Ways You Can Prepare for a Financially Healthy New Year

5 Ways You Can Prepare for a Financially Healthy New Year

5 Ways You Can Prepare for a Financially Healthy New Year

The new year is a time to reflect on the good, the bad, and the “just okay” financial decisions you’ve made in the past. Fortunately, it’s also a time to think about your future. Think of 2019 as an opportunity to do better and consider these resolutions for a stronger, healthier financial future:   Prioritize... Read More

Interest Rates Increase: What You Need to Know

Interest Rates Increase: What You Need to Know

Interest Rates Increase: What You Need to Know

After much speculation it finally happened and on December 19, 2018, the Federal Reserve raised the federal funds rate—the interest rate that banks and similar institutions charge to loan money to each other. That’s good and bad depending on where rates touch you and your finances. If you have a savings account and/or other investments,... Read More

Pros and Cons of a Winter Wedding

Pros and Cons of a Winter Wedding

Pros and Cons of a Winter Wedding

Planning a wedding can be a big task. It requires carefully thought out decisions—choosing the right flowers, choosing the color scheme, choosing the appropriate menu and caterer, and on and on. One other decision—that has to come before all the others in some respects—is when will you get married. If winter is on your radar,... Read More

How to Apply for an Apartment

How to Apply for an Apartment

How to Apply for an Apartment

Not many people enjoy looking for a new apartment. For most people, it’s one of those things that only gets done when it becomes an absolute necessity. But thanks to the Internet, the process of how to apply for an apartment is simpler and less stressful than it used be. To make it even easier,... Read More

How Do CDs Work?

How Do CDs Work?

How Do CDs Work?

Certificate of deposit (CD), savings account, money market, high-yield savings, what’s the difference? Let’s dig in to CDs and just what they are, how they work and whether this is the right savings vehicle for you.  Here, we’re talking about traditional CDs. There are other types, but here we stick to the traditional. What Is... Read More

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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).

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- The Credit.com Editorial Team