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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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Learn If Traditional or High Deductible Health...
Traditional insurance plans offer deductibles and copayments and high deductible plans have you pay a good deal up front. Learn which is best for you.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Holiday Gift Ideas for Coworkers
It can be tricky to find the perfect gift for your coworkers. Learn easy ideas that are inexpensive, but great for coworkers.
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.
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.
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.
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.
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.
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.
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 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.
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.
Emergency Funds
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it.
Before You Make Large Purchases
Whenever you make a large purchase, it is important to take the time to make a good decision. In addition to researching which type of item to buy you should also be sure that this you should be making the purchase at this time. These seven questions will help you make the right decision for you.
5 Necessities That Are Really Luxuries
It is easy to confuse some luxuries as necessities. Learn if you are making that mistake. It can help free some money up in your budget.
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.
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.
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 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.
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.
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.
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 Ways the Affordable Care Act May Affect You
The Affordable Care Act enacted penalties if you do not get health insurance. Learn the consequences if you do not sign up for health insurance.
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.
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?
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.
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.
Debt Elimination Plan
If you are tired of being in debt, this six step debt elimination plan is for you. Debt elimination requires work and commitment, but being debt free gives you more options and frees up money for your life. Take the steps now so you can be debt free.
Should I Buy My Life Insurance Through Work?
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
Learn How to Choose the Best Health Insurance...
It can be difficult to wade through the stack of health insurance enrollment forms. Learn how to determine the one that is right for you.
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.
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.
4 Tips to Calculating How Much You Can Spend on...
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.
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.
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.
Don't Let a Break Up Ruin Your Finances
The break up of a serious relationship can be difficult. Learn how to recover financially when you break up with your live in boyfriend or girlfriend.
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.
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.
These ideas can help you increase the amount...
To build wealth you need to set realistic savings goals. Your savings goals should be tangible and realistic. Learn how you can work to improve the way you save money on a regular basis.
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.
What If I Can't Afford Health Care?
If you are truly broke, and you need medical care, you should get it. Many cities offer free clinics that offer sliding scale fees based on your income.
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.
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.
Should I Choose Term Life or Whole Life...
When shopping for life insurance there are two basic options for life insurance. Term life and whole life insurance offer different benefits. Learn what 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.
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.
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.
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.
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?
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.
6 Steps to Make Creating Your Budget Easier
Before you really begin to budget, you need to understand the process to make it work for you effectively. Learn six things to do before you budget.
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.
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.
What Happens When You Go On Furlough?
Furlough is when you have a forced unpaid leave. Here are some tips on preparing for a furlough, no matter what financial situation you are in.
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.
Before You Open a Christmas Savings Account
Learn the advantages and disadvantages of a Christmas savings account so can decide if a Christmas savings account is right for you.
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.
How Much Should I Contribute to My Flexible...
Flexible spending accounts can help pay for your healthcare costs, but you lose what you don’t use. Learn how to choose what to put in your FSA.
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.
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.
Do You Believe These Money Misconceptions?
Do you believe any of these common money misconceptions? Learn how to deal with them and get your finances back on track.
Switching to cash may make sticking to your...
Paying cash to cover all of your expenses may seem intimidating at first, but it is a great way to limit your spending. You can use this method to stop any leaks that you may have in your budget. Learn how to do make the switch easily.
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.
Should I Move When My Significant Other Gets a...
Making the decision to stay in a relationship when one of you gets a good job offer in another part of the country can be difficult. You need to consider several factors before you make your decision. It is important to be open and honest throughout the discussion.
Refund Anticipation Loan
Learn what a refund anticipation loan (RAL) is and whether or not you should get one. This loan is offered by the major tax preparation businesses, and targets lower income households.
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.
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.
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.
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.
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.
Are you having issues with your bank? Learn how...
Learn how to quickly resolve any discrepancies or unauthorized transactions you may notice in your checking account.
5 Habits You Need to Win Financially
The habits you create now will follow you throughout your life. Learn the five most important habits to establish in order to succeed financially.
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.
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.
Envelope budgeting makes tracking your expenses...
The envelope budget is one of the simplest budgets to follow. If you hate tracking your expenses, and worrying about your money every night then this system is for you. Since it is cash based, you simply stop spending money when it runs out.
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.
What Is High Deductible Health Insurance?
High deductible health insurance is one option if you are looking for independent insurance. It offers lower deductibles, but you have to pay more out of pocket upfront. Learn the pros and cons of going with high deductible health insurance.
Should I Ever Use a Credit Card Instead of a...
Learn when you to use a debit card or a credit card for different purchases. Understanding each situation can help you make good financial choices.
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.
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.
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.
Goals to Help You Save for Retirement
Saving for retirement is an important goal for every individual. Learn what goals you should set to help you save for retirement successfully.
Use These Christmas Savings Strategies to Save...
The holiday season is a very stressful time for most people. Learn how planning and shopping early can help reduce financial and emotional stress.
Do You Need to Save More Than Ten Percent of...
Saving ten percent of your income may be a good start, but is it actually enough for you to reach your financial goals? Learn if you need to save more.
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.
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.
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.
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.
What Can I Do to Get Out of Debt?
Getting out of debt is the first step in building wealth and gaining control of your money. Setting up a plan will help you change the future.
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