The holidays are one of the most enjoyable times of the year. But if you’re like many of us, they may also be one of the most expensive. Whether you’re heading out of town or heading to the mall, the cost of gifts, travel, and entertaining can leave you in the red come January. The secret is to start saving for the holidays as soon as possible.
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It’s the season of pumpkin spice, Thanksgiving feasts, and big grocery bills. If you’re looking to make the most of your time with family and friends, while saving money on food, shopping for groceries online could be your solution.
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Few things are as important as our relationships with friends and family. The last thing you want is for money issues to get between you and your loved ones. While it’s a wonderful thing to be there for a friend, awkward money dilemmas can put your relationships in jeopardy if you aren’t careful. Here are a few common situations you may encounter, and ways to handle them.
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As adults, the ways that we spend, save, and manage our money can be serious business. But as kids, this doesn’t have to be the case. Whether your child is taking their first steps or saving for their first big purchase, teaching children about money often works best when you add some fun and games to the experience. Try out some of these activities focused on financial literacy for kids. You’re sure to find a game that’s fun for both of you.
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Becoming an adult opens up a world of new opportunities, as well as new financial responsibilities. As a young adult, and throughout your life, having easy access to affordable credit may be key to achieving big goals (like buying a car or first home) and having quick access to money in emergencies. Young adults understand the importance that credit will play in their lives. But one question we often hear is: How do I build my credit in the first place?
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When it comes to your money, it’s exciting to plan for special goals, like buying a home or saving for your dream vacation. Less exciting? Deciding what happens to your stuff after your death.
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When things are going well, it’s easy to forget that emergencies and hard times can happen. And it’s even easier to put off preparing for them. That may be one reason that so few people have money saved for emergencies. Just 40% of Americans have enough set aside to cover a $1,000 emergency expense.
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It’s never an easy thing to think about, but it’s something you need to consider: If you were to die, who would provide for your loved ones? Unless you’ve built a large nest egg that your kids or other family members can inherit, having a life insurance policy may be key to keeping your loved ones financially protected if you pass away. You may put off this important financial step because it seems like a hassle. But the truth is, finding and getting the right policy is probably easier than you think, and there are options for every budget.
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Home is where the heart is, but it is not always near where the job is. The average American’s commute takes 26.9 minutes, with more than 14 million Americans spending an hour or more traveling to work. A longer commute often means more money spent on gas and on car repairs. Here are 7 ways to stop a long commute from cutting into your budget:
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It’s common knowledge that for many, student loan payments have become a growing concern. The rising cost of a college education, coupled with a tighter job market has led to national student load debt over $1.8 trillion. In Pennsylvania alone, borrowers owe an average of $36,120 each.
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