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Money in Your 20s: Most Popular Articles

These articles are the most popular over the last month.
What's the Difference Between a Credit Card and...
Credit cards and debit cards are very similar. You can use them in the same places, but there is one fundamental difference between the two accounts.
7 Signs You Don't Make Enough Money
Learn the seven signs that will tell if you do not make enough money. If you have any of these signs, you need to take steps to change your situation.
7 Reasons You Need to Save Your Money
Learn the top reasons to save. Saving your money will help you reach your financial goals, provide financial security and let you have fun.
8 Rules For First Time Home Buyers
Buying your home is huge commitment and a time consuming process. It is important that you understand each of the steps on your way to home ownership.
How Much Money Should You Save Each Month?
You know it is important to save money each month, but how do you determine the right amount for you? You need to choose based on your budget.
3 Ways to Make Your Money Work for You
Learn the three most important things that you can do to make the most of your money. You can begin to build wealth with these three steps.
The Reason Behind That Checking Account Hold
If you have been told that the bank is placing a hold on a deposit you made to your account, you may wonder why and what it actually means.
What Forms Do You Need to File Your Taxes?
Before you file your taxes you need to make sure you've received all of the forms from your employer, bank, and investments. Learn what these forms are.
How To Close Your Checking Account
If you are moving, or just looking for a new bank, you need to know how to close your checking account. These steps will take you through the process.
How Many Exemptions Should You Claim on Your...
Learn when you should adjust your paycheck withholdings, and an easy way to discover how many exemptions you should be claiming each year.
Can You Be Happy When You Are Poor?
When you are struggling to make ends meet, it can be difficult to be happy. However money doesn't mean happiness. Learn how to cope with being poor.
How to Sell a Car Before it's Paid Off
Learn how to sell your car when you are upside down on your car loan. This can help you clean up your debt and manage your budget.
A 5-Step Plan for Buying Your First Car
There is no reason to stress when buy your first car. Learn the steps you should follow to find a reliable car that you can afford.
Do You Believe These 5 Credit Card Myths?
People feel they need credit cards for many reasons. Learn the five most common reasons people need a credit card and how you can manage without them.
4 Things to Know Before Getting a Second Job
Working a second job may be the only way that you can get out of debt or save money to buy a house. Learn tips to make it more manageable.
5-Step Guide to Paying Off Your Debt
If you are serious about getting out of debt you need a debt payment plan to accomplish your goal quickly. This plan will make the process easier.
Why the Money in Your 401(k) Isn't Yours Yet
Before are vested in your 401(k), you may not have access to all the money in your 401(k). Learn what this means for you.
How Selling Stocks Impacts Your Tax Bill
When you sell an investment, then you are responsible to report that income on your taxes. Learn what you need to report and how to do it correctly.
Help! I Can't Afford My Car Payments!
If money is tight you may be looking for a way to lower your car payment. You need to carefully asses your situation and decide what is best.
5 Things to Do When You Can't Pay the Bills
If you are having a hard time paying for your basic expenses you need to fix the situation now. Learn five things to do to turn the situation around.
7-Step Guide to Renting Your First Apartment
Renting your first apartment can be a daunting process. Learn how to rent your first apartment and ways to find better deals on your rent.
6 Things to Know About Money Orders and...
Many people confuse money orders, bank checks and cashier checks, since they are used to guarantee funds for payment. Learn the differences.
How to Create a Budget in 7 Easy Steps
Learn the seven essentials steps you need to follow to set up a successful budget. These easy steps will streamline the budgeting process.
How Old Debts Influence Your Current Credit Score
Paying off old debts may not make an immediate change in your credit score, but it can help you to qualify for a mortgage and the way that banks view you.
5 Benefits of Working Your Way Through College
Working while in college can be a difficult juggling act, but there are many benefits to working part time to help put yourself through school.
4 Ways Credit Cards Can Boost Your Score
Learn the four basic steps that will help you to use a credit card to build your credit. Credit cards can easily ruin your credit report, following these steps will prevent that from happening.
Can I Have Checking Accounts at Multiple Banks?
There are many reasons why you may need to have different bank accounts. If you are operating a business in your name, you may want to keep that money separate from your personal accounts. You may also want to keep a separate account to cover certain expenses or to take out a loan at a different bank.
How to Put a Stop Payment on a Check That Is...
If a check is lost or stolen, you will need to put a stop payment on your check. Learn the steps and other signs to watch for after a check is stolen.
Learn how a pension plan is different from...
Your company may offer you a pension plan instead of a 401(k). Learn how to plan your retirement with a pension plan.
Things to Know Before Trading in Your Car
Are you buying a new car to replace an old one? Learn if rolling your old loan into your new one is a good idea.
6 Reasons Your Paycheck Is Smaller Than Expected
Learn exactly what is paying withheld from your paycheck and why. You will learn what all those abbreviations mean and where they are going.
Want to Be Wealthy? Start Here.
It can be difficult to make the leap between saving money and investing. However, it is an important step in the wealth building process.
Strapped for Cash? Here Are 4 Ways to Make More
If you are having a hard time making ends meet, or saving for a house, you may be looking for ways to increase your income. Learn four ideas.
Benefits of Choosing a Secured Loan
Secured loans are guaranteed by collateral. They often have lower interest rates because they are less of a risk for the bank.
Learn the Ins and Outs of Managing Your First...
Learn the basics of managing your checking account. Learn how to determine the right account and how to properly manage your checking account.
How Payday Loans Work (and Why You Should Avoid...
A payday loan is a loan with extremely high interest payments. It is a short-term loan that is offered through a business and not a bank.
How to Conquer Bad Debt in 4 Steps
If you have debt that you haven't paid on in a long time, you may be wondering what to do about it. It is important to take care of the debt.
Tired of Living from Paycheck to Paycheck? Make...
When you live paycheck to paycheck each little emergency becomes a full-fledged crisis. Learn what you can do to stop living paycheck to paycheck.
Solutions if the Bank Won't Give You a Checking...
If you can't open a checking account, you may be wondering how to pay your bills, buy groceries or function financially. You can get buy without one.
4 Ways to Earn More with Your Money
Savings accounts with high interest rates are a great option for your emergency fund. There are several high interest savings accounts options.
Are You Ready for Your Own Place? 4 Ways to Know
If you have been living at home, you may be anxious to move out. You need to be prepared financially before you take on the responsibility.
Can My Bank Close My Checking Account on Me?
When your bank breaks up with you, you may be scrambling to manage your money and pay your bills. Learn what to do when your bank closes your account.
Pros and Cons of Leasing a Car
Leasing a car may seem to be a good idea on the surface, but is it? Learn if leasing a car will save you money and help you to build your wealth.
What Is a ChexSystems Report? And How Do I Fix...
If you have been reported to ChexSystem, you may have a difficult time opening up a checking account. Learn what you can do clean up your report.
How to Stick to Your Budget Despite a Spendy...
Money fights can really hurt a marriage. Learn how to help your spouse start participating in managing your money.
4 Things You Should Know About Budget Billing...
Budget billing allows the customers to have a set price on their monthly utility statements. Learn if this service is right for you.
How To Protect Yourself After Your Checkbook Is...
Learn the five steps you need to take to protect yourself once your checkbook is stolen. This will help you to handle this event quickly and efficiently.
Why Your Car is an Asset, Not an Investment
Many people mistakenly think that buying a car is an investment, but cars decrease in value over time, and it should not be considered an investment.
Six Things You Can Do to Start Saving Money Today
Learn six super easy ways to save more money each month. These tricks will help you to save money without even thinking about it.
Itemized Deductions
Learn what items you can deduct on your tax return. You will also be able to determine if you should take the itemized deduction or the standard deduction.
Emergency Funds
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it.
Should I Use the Financial Advisor Through My...
When looking for a financial advisor many people turn to their bank to find one. But you may be asking yourself if this is the right choice to make. How do you decide if this the right financial advisor for you?
Is Real Estate a Good Investment?
Real estate can be an excellent investment, but you need to be sure that you are ready to purchase and pay for expenses that come with owning investment properties.
Is It Enough to Save or Should I Start...
Saving and investing money are both tools that you can use to build wealth. You need to do both to really begin to make progress. Learn more.
4 Ways to Pay for College On Your Own
Paying for college may seem overwhelming, especially when your parents can't help you, but it is possible to pay for college yourself. Learn how.
5 Things You Can Do to Take Control of Your...
These five budgeting goals will help you take control of your finances and make a big difference in the way that you manage your money.
Learn How to Catch Up on Late Payments
When you are behind on your bills or payments, it can quickly turn into a negative cycle. Learn what you can do to turn the situation around quickly.
4 Strategies for Paying Off Loans Faster
Extra payments can help pay off your loan faster, but your bank may charge fees or penalties. Learn how to put your extra payments to the best use.
6 Steps to Help You Out of Your Financial Rut
It can be frustrating when you are stuck in a financial rut. Learn the changes that you can make to help break free and reach your financial goals.
Want a Bright Financial Future? Do These 5...
Good money habits begin in college learn five basics things you can do to improve your financial outlook and build a solid future once you graduate.
4 Tips for Using a Monthly Budget Correctly
When you are paid on a monthly basis, it can be difficult to make your paycheck last for the entire month. Learn how to make a monthly budget work.
6 Ways to Pay for College Without Student Loans
If you are balking at borrowing money to pay for college, there are alternatives to student loans.You can graduate from college debt free.
6 Reasons to Bank with a Credit Union
Credit unions offer a customer friendly model with a focus on the best service and accounts possible. Learn if a credit union is right for you.
Prevent a Hold on a Checking Account
Learn what types of transactions can trigger a hold on your account and how to deal with the situation when you cannot access your money right away.
4 Reasons Your Bank Balance is Less Than You...
When you make a deposit, you may expect to be able to access your money at the bank right away. Learn why your money may not be available right away.
Are U.S. Savings Bonds a Good Investment?
U.S. Savings bonds used to be one of the primary means that many people used to save for school. However as the laws for school saving have changed many people are beginning to move to other options. Learn whether or not you should consider U.S. savings bonds as an option for your saving and investing needs.
4 Good Reasons To Tackle Student Loans Early
There are a wide variety of benefits to paying off student loans early Learn the benefits of working to get rid of your student loan debt now.
Learn Why Checking Your Balance at the ATM...
When you check your available balance at the ATM, it is a mistake to assume that it is an accurate balance. You may have outstanding transactions.
10 Easy Ways to Save \$10.00 on Groceries
Learn ten ways you can reduce your grocery bill by $10.00. Each of these tricks can help you save money and cut down your grocery bill each month.
Money Market Accounts
A money market account through your bank is a savings tool that allows easy access to your money. The interest rates on money markets are ties to the market, so you often earn a higher interest rate on your balance. Learn if a money market account is right for you.
How Many Banks Accounts Do You Actually Need?
There are many bank account options available to you. Learn what bank accounts you should have to make your life easier.
6 Things You Can Do to Reach Your Savings Goals
Learn how to set and reach specific savings goals. These tips can help you find extra money, as well as tell you the best accounts to save money.
Are Credit Card Rewards Really Worth It?
Credit card rewards can be very enticing, but are they worth it? Learn if you really are benefiting from using a rewards credit card.
If You Pay Your Credit Card Like This, You're...
When you want to pay off your credit cards, you need to get aggressive in the amount you pay each month. To make a difference, you need to pay more.
Learn 4 Strategies to Help You Increase the...
To build wealth you need to set realistic savings goals. Learn how you can work to improve the way you save money on a regular basis.
Pros and Cons of Debt Settlement (and How to Do...
Debt settlement may be a good option for someone who is already behind on debt payments. Learn how to decide if debt settlement is right for you.
3 Reasons to Do Your Banking Online
Online banking is an easy and effective way to manage your money. It helps you to keep track of your transaction, and manage your money.
Starting a New Job? Learn What Benefits You...
When you start working you will receive many employee benefits. It is essential to understand these employee benefits and take advantage of them.
Learn the three ways you can get your tax refund.
You want to receive your tax refund quickly and safely. Learn the three options that are available to you. You will learn the pros and cons of each option.
5 Steps to an Effective Financial Plan
It is important to have a financial plan at any age. The sooner you create a long-term financial plan, the better off you will be in the long-term.
Six Steps to Help You Get Out of Debt
If you are tired of being in debt, this six step debt elimination plan is for you. Debt elimination requires work and commitment.
How Are a Home Equity Loan and a Second...
There is a difference between a home equity line and a second mortgage, but both use the equity from your home. Learn which is right for you.
Should I Choose a Traditional or Roth IRA?
When choosing your IRA, you may be trying to decide the advantages with a traditional vs Roth IRA. Learn the advantages of each type of account.
5 Reasons You Should Stop Putting Off Budgeting
A budget is one of your best financial tools. It can help you change your financial picture. Learn 5 reasons to start budgeting now.
Manage Your Personal Finances
Managing your personal finances is an important key to being successful. Your personal finances will affect all aspects of your life. Poor management means you may not reach other goals you have set for yourself. Learn five keys that can help you gain control now.
Is An Accountant or a Financial Planner Better?
An accountant or a financial planner can help you take control of a complicated financial situation. It is important that you trust your accountant and financial planner. You should do your research carefully before choosing one.
4 Smart Ways to Save Money in Your Twenties
Establishing a solid habit of saving money while in your twenties will make it easier to be successful in your financial life.
How To Find an Online Savings Account
Often online banks can offer a higher rate of interest to people with savings accounts. This is the result of lower overhead costs. However, you need to carefully research the banks to make sure that you are not taken in by a scam. Learn what to look for to protect yourself and your money.
Learn five things you should do before you...
Are you ready to begin investing? Investing for the first time can be intimidating. Learn five specific areas that you should consider before you begin investing.
Do You Know About These 5 Student Loan...
Learn five different programs that you can use to have your student loans forgiven. Some programs include Americorps or TeachAmerica. Learn more.
4 Things to Consider Before Accepting That...
Learn the steps you need to take before you borrow money for school. These steps will help you to save money and reduce your student loan debt.
15 Ways You Can Start Saving More Money Today
You should try to save money every day. Learn fifteen easy things you can tackle today to start saving money. These small things add up to big savings.
Learn Six Simple Steps to Save on Groceries Today
Many people struggle to cut their spending on their grocery bill. However, you can save money on groceries by employing these six strategies.
Can't Get a Bank Account? This Might Be Why
If you have been reported to ChexSystems you may be wondering what you can do to take care of it. Learn how to clear up ChexSystems problems.
How To Find a Financial Planner
A financial planner can help you to reach your financial goals more quickly. It is important to find a financial planner that will work with your personality and goals.
4 Questions to Ask Yourself Before Buying a Car
Learn the four most important things to consider before you buy a car. These rules will help you avoid making any mistakes and can save you money.
Did You Forget to Include These 5 Things in...
If you are having a hard time sticking to your budget, you may be forgetting some items. Here are five things people forget to put in their budget.
Does Your Budget Never Work? Learn How to Do It...
Budgeting is hard, but there are steps you can take to set yourself up to be successful at. Learn tricks you can use to make budgeting easier.
Think You're Ready to Buy a Home? Ask Yourself...
Learn five essential questions to should ask yourself before you buy your first home. These questions can prevent you from buying before you're ready.
Before You Open a Bank Account
Learn the five things you should consider before you open a new banking account. This will help you t save you money in fees and other charges.
4 Steps to Help You Stop Going Into Debt Each...
If you are relying on your credit cards each month, you need to stop going into debt. The key to really getting out of debt is to stop overspending.
The First 4 Steps for Young Investors
When you are ready to invest, you need to understand the different tools that are available to you. Learn more about beginning investing.
How to Deal With Your Creditors When You Can't...
It can be difficult when you can't meet your monthly obligations. It is important to contact your creditors right away and explain the situation to them. You should also work to increase your income as quickly as possible.
Buying a New Car vs Buying a Used Car
If you are in the market for a car, you may be trying to decide a new or a used car. There are a variety of factors that may influence your decision.
4 Tips to Help You Calculate How Much You Can...
It can be difficult to determine how much you can afford to borrow when it's time to purchase a home. Learn how to tell how much home you can afford.
5 Ways to Reduce Your Student Loan Payments
If you are having a hard time paying your student loans, learn what options are available to help you reduce your student loan payments.
Learn to Make Budgeting as a Couple Easier
Learn the best way to begin budgeting together. This tutorial will help you get started and help you end money fights before they start.
What to Do When You've Maxed Out Your Credit...
Maxing out all of your credit cards is a sign that you are spending more than you make, You need to work quickly to correct the problem.
How To Lower Your Credit Card Interest Rate
How much are you paying in credit card interest each month? Learn five simple steps that can help you save money on your credit cards bills.
Budget Isn't a Bad Word - Learn How Budgeting...
The thought of budgeting often brings a negative response from people. Budgeting doesn't have to be negative. It gives you control over your finances.
Slash Your Spending Using These 5 Tips
Learn five easy ways that you can cut your spending. These ideas are simple to implement and can help you start saving money today.
How To Keep a Running Balance of Your Account
By keeping a running balance of your checking account, you can protect yourself from being overdrawn. Learn how to keep track in your account ledger.
Should I Use the Investment Services at My Bank
Many banks offer investment services to their more affluent clients. You may be able to take advantage of these services if you sign up with an automatic transfer. You may want to consider the options your bank has in addition to other investment firms.
Should I Get a Second Mortgage?
A second mortgage is an additional loan against the equity of your house. Some people use a second mortgage as a down payment on their new home. Others will take out a second mortgage later on. But second mortgages do have some risks. Learn if you should get a second mortgage.
Why Are Savings Account Rates So Low?
The interest rates on savings accounts are determined by the current interest rate set by the Federal Reserve Board. Learn how the rate is determined and alternative savings options.
5 Creative Ways to Cut Your Food Bill
Learn five things you can do to save money on your food budget each month. You can pick and choose the strategies that will work best for you.
How to Cope with a Crowded Job Market
With the difficult job market you may be having a hard time finding a job. Learn what you can do to survive financially while you look.
Find Ways to Make Your Paycheck Do More
Learn things you can do to make the most of your paycheck, which can help you lower taxes and take full advantage of the many benefits your job offers.
Is It Ever a Good Idea to Switch from Term to...
Converting your term life insurance policy into a whole life policy may not be the wisest financial move. Learn why.
How Much Does Eating Out Really Cost? Tips to...
Fast food can quickly eat through your food budget. Cutting back on eating out is an easy way to save. Learn tips to help you stop buying fast food.
Variable Expenses
Learn the definition of variable expenses.
How To Balance Your Checkbook
Learn the basic steps to balancing your checkbook. Everyone should know how to do this the old fashioned way--without a computer. This article additionally walks you through the steps that your computer program will have you complete.
6-Step Survival Guide to Living with Your Parents
If you are contemplating moving back in with your parents temporarily, you need a survival guide. Learn the strategies you can use to make it work.
7 Tips for Doing Your Taxes Correctly
Filing your taxes can be much simpler than you realize. Learn the seven things to consider before you sit down to file your taxes.
5 Financial Goals to Help You Make the Most of...
Learn five simple goals that can change your financial life. These goals will help you manage your money and make the most out of your money.
Is Getting My Life Insurance Through Work a...
When you are shopping for life insurance you may be tempted to use the plan that your work offers. Learn why you may not choose to use this life insurance.
Are your house payments making it difficult to...
If you find that you are financially strapped each month because of your mortgage, you may be house poor. Learn what you can do to fix the situation and prevent it from happening again.
How to Pay Your Bills Online
Paying your bills online can save you time and money. There are several options you can use to pay your bills online. Learn how to decide which one is the best for you to use.
Certificate of Deposit (CDs)
A certificate of deposit (CD) locks your money in at a set interest rate for a certain period of time. A CD can be a useful savings tool for specific goals. However, there are negative aspects to using a CD as a primary investment tool.
Is Term or Whole Life Insurance Better?
There are two basic options for life insurance. Term life and whole life insurance offer different benefits. Learn what is right for you.
Learn how a basic savings account can help you.
You can start saving money in a basic savings account. Learn when it is a good option and when you should switch.
Is It Important to Actually Have Health...
Everyone needs health insurance. It protects against medical debt and protects you if you have a serious illness. Learn why you need health insurance.
5 Questions to Ask Yourself Before Borrowing...
Many people fail to consider the implications and commitments that they make when they borrow money. Learn how to tell before you take out the loan.
Learn Why a Down Payment Is So Important When...
Many lenders are offering alternative financing when it comes to purchasing a home, but there are benefits to having a down payment saved up.
7 Tips to Help You Stop Using Your Credit Cards
You cannot get out of debt if you are still using your credit cards each month. Learn tricks you can use to stop using your credit cards each month.
How To Track Your Expenses
Learn how to effectively track your expenses so that you can make your budget work for you. Once you set up a system, it is easy.
Learn the Different Types of Mutual Funds
There are several different types of mutual funds available to choose from. Learn which type of fund will best help you to reach your goals.
The Good News About Student Loan Interest
You can take a deduction for your student loan interest. The deduction can be taken even if you do not itemize your taxes. Learn more.
5-Step Guide to Fixing an Overdrawn Bank Account
Take these 5 steps to clear up your overdrawn account. Act quickly to turn this negative situation around and stop it from happening again.
Solutions When You Are Short on Cash
Even the best of us have an occasional budgeting crisis. Learn some short-term solutions for when you are short on cash, as well as ways to address bigger budgeting issues
How To Dispute an Incorrect Medical Bill or...
Medical billing errors are quite common. It is important to watch your statements and bills carefully so that you are not overcharged. It is possible to dispute a charge, though it may take time and work.
Learn Tricks to Help Make Following Your Budget...
Do you have a hard time making your budget work? Sometimes it may be spending issues, other times planning issues. Learn to make your budget work
Are Interest Free Car Loans a Good Thing?
Many automobile manufacturers are offering interest free loans on new car purchases, but is it really a good deal? Find out now?
4 Strategies to Stop Money from Ruining Your...
When you get married creating a plan on how you handle your money is one of the most important things you can do to make your marriage successful.
Want to Buy Stocks? Know How It Will Affect...
Can you be taxed on dividends? It is important to understand the implications of owning stocks, so you are not surprised at tax time.
What Is the Difference Between No Credit...
When you have no credit history, it means that you do not have anything on your credit report. This is not a difficult thing to overcome.
10 Budget Busters That You Can Live Without
Learn ten items that can bust your budget, and cheaper alternatives to help you save. These 10 things are things people think they can't live without.
5 Common Mistakes When Buying a Car
Learn the five most common mistakes that you can make when buying a car. Avoiding these mistakes can save you money and hassle later on.
Can Google Wallet Make Budgeting Easier?
Google Wallet may be a good tool to help you stick to your budget. Learn how this service can help break down your spending and track your purchases.
Learn 7 Ways to Make Your Paycheck Do More for...
Many people would like to do more with less. There are some things to make your paycheck go further.

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