admin You’ve probably noticed that banks have been paying much higher interest rates than anytime in the last decade or so. The last time we saw rates as high as today, it was back in the late 2000’s. Interest rates are so high in part because of the actions of the Federal Reserve. Specifically, the Federal … Read more
One of the more challenging aspects of the holiday season is finding the perfect gift ideas for our family members, co-workers, and friends. It can be even harder if you’re shopping on a budget. To aid you in your search and as a follow-up to our 50 Christmas Gift Ideas Under $25 post, here is … Read more
If you’re a fan of envelope budgeting, the right budgeting app can make it easier to track your spending in today’s digital world. And for years, Mvelopes has been one of the more popular envelope budgeting apps. Sadly, Mvelopes is closing down permanently on December 29, 2022, after 21 years of service. While existing users … Read more
Certificates of deposit are a great way to lock in a high interest rate for a whole year. When you have short term savings that you can’t put in higher yielding, and higher risk, accounts – a 12-month CD is often a great choice. They’re the cornerstone of a good savings plan and with a … Read more
When it comes to banks, something is comforting about being able to walk into a physical branch and talk to a human being. Online banks may offer higher interest rates, but there’s no one to go to. Community banks and credit unions may offer more perks, but they don’t have the national footprint. You can’t … Read more
A personal line of credit can be a convenient way to borrow money when you need cash fast for an expensive purchase. It’s also an alternative to a home equity line of credit (HELOC) if you’re a renter or have insufficient equity. CreditFresh offers a line of credit that allows you to make on-demand withdrawals. … Read more
When you first start making money, there are a lot of tools and services you can pick from. The market is huge so there are a lot of companies competing to be your budgeting tool or your investment tool. As your net worth grows, the number of tools and services begin to shrink. One big … Read more
Do you have a spare fifteen minutes? Want to do something that can improve your financial life? These are moves that are important but not urgent. Requesting a credit line increase is not something that will change your financial life… but it can make it easier. When you find yourself with some downtime after the … Read more
Zelle is one of the top money transfer apps, allowing you to send money to family and friends directly from your bank account. But did you know that Zelle limits vary from one financial institution to another? In fact, the variation from one bank to another can amount to thousands of dollars per day or … Read more
Do you have a spare fifteen minutes? Want to do something that can improve your financial life? These are moves that are important but not urgent. Requesting a credit line increase is not something that will change your financial life… but it can make it easier. When you find yourself with some downtime after the … Read more