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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...
Understanding what a debit card is and how it is different from a credit card can help you choose the best option when you are managing your money.
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.
10 Budgeting Mistakes You Need to Stop Making
Learn the 10 most common budgeting mistakes and how to solve them.
How To Consolidate Your Student Loans
Student loan consolidation can lower your monthly payments and lock in your low interest rate. Learn the steps you need to follow in order to successfully consolidate your student loans.
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.
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.
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.
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 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.
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.
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.
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 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.
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 Budget Hacks to Make Your Life Easier
Learn five budgeting hacks that will make sticking to your budget easier. These hacks are easy to implement and really work if you use 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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
Solutions for Overwhelming Student Loan Debt
Often you do not realize how much you have borrowed in student loans until you graduate. Employ a few strategies to lower your student loan debt.
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.
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.
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.
How Much Does Your Student Loan Limit Your...
Is your student loan limiting your ability to invest money and to do the things that you want to do? Learn how much your student loan really is costing you.
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 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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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 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.
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 Reasons To Tackle Your Student Loans Early
There are a wide variety of benefits to paying off your student loans early. Learn the benefits of working to get pay off your student loan debt now.
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.
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.
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.
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.
7 Things You Can Do to Start Saving Money Today
Learn seven super easy ways to save more money each month. These tricks will help you to save money without even thinking about it.
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.
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.
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 Guide to Student Loan Options
A student loan gives you the ability to go to college. It is important to fully understand everything about your student loan.
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?
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.
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.
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.
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.
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.
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.
3 Reasons to Do Your Banking Online
Online banking is an easy and effective way to manage your money. There are many advantages to online banking. Learn how it can help you.
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.
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.
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.
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.
A Guide to Student Loans from the Federal...
The federal government offers a variety of student loans. The amount they will lend per year is limited, and you may need to consider other financing.
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.
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.
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.
Should I Open a Money Market Account?
A money market account through your bank is a savings tool with higher interest rates, but strict rules. Learn if a money market account is right for you.
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.
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.
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 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.
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.
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.
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.
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.
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 How an Envelope Budgeting System Makes...
The envelope budget is one of the simplest budgets to follow. Learn how to set up an envelope budgeting system to make budgeting easier.
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.
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.
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.
Do You Have an Emergency Fund?
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it. Start working on your emergency fund now.
5 Things to Know About Debt Consolidation
What is a debt consolidation loan? Is it the right option for you? Understand how debt consolidation will affect you in the long run.
Can I Find Help with Student Loan Payments?
Are you struggling to make your student loan payment payments? Learn strategies that can make paying off your student loans much easier.
Is a Second Mortgage a Good Option?
A second mortgage is a smaller loan against your house. You may use it for a down payment or to cash out the equity of your home. Learn more.
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.
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.
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.
Private Student Loans
Private student loans are one alternative to financing your college education. It is important to carefully consider the terms and risks involved with taking out private student loans.
7 Fixes for the Biggest Money Mistakes
Learn how to fix the seven biggest financial mistakes that you can make. These mistakes can cost you thousands of dollars over the years
5 Steps to Managing Your Personal Finances
Managing your personal finances is an important key to being successful. Learn five keys that can help you gain control now.
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.
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.
Learn the Basics About Life Insurance
Learn what benefits life insurance provides for you and your family. You will also learn which type of life insurance is best for your family.
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?
3 Easy Steps to Help You Apply for a Credit Card
Getting a credit card should be something you take seriously. Be sure to think carefully before you fill out the application.
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.
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.
What Is Disability Insurance?
Disability insurance can help to pay for your bills if you are unable to work. Determine if you need disability insurance and find out where to get it.
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.
Considering Graduate School? Learn Ways You Can...
Graduate school can be expensive, but with today's job market, it can give you an edge over the competition. Learn how you can pay for graduate school.
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 Consider Using a Consolidation Loan to...
Consolidation can help you lower your monthly payments, but there are negative sides. Learn what to watch out for when you consolidate.
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.
Is a Traditional or Roth IRA Better?
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 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.
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.
Stop Paying Banking Fees on Your Accounts
If your bank is charging too many fees you may be considering switching accounts. Learn how to avoid paying banking fees.
Why Can't You Cover Your Bills Even Though You...
When you make a good salary, it can be frustrating to be barely scraping by each month. Learn how to diagnose and fix the issue.
7 Questions to Ask Before You Make That Big...
Whenever you make a large purchase, you need to shop wisely.These seven questions will help you make the right decision for you.
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 Things to Consider Before Choosing a Bank...
Learn the five things you should consider before you choosing a banking account. This will help you t save you money in fees and other charges.
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.
Bankruptcy Won't Get You Out of Your Student...
Student loan debt is difficult to get rid of. Since student loans are federally insured, you are not allowed to have them excused during a bankruptcy
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 How Pell Grants Can Help You Pay for...
A Pell Grant is a great source of funding for college. It is needs based, so it looks at your income, savings and your parents' income.
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.
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.
Learn 5 Things You Should Do Before You Begin...
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.
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.
Try These 5 Creative Ways to Cut Your Bills
When people think about budgeting, they think about cutting back on the things that they love Here are five alternative ways to cut back on your bills.
What Is a Debit Card?
It is important to understand what a debit card is and the rules associated with using a debit card. Learn precautions you need to take with your card.
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.
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.
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.
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.
Learn Which Debts to Pay Off First When You...
A set order in paying off your debt can speed up the process and make your payments more effective. Learn how to determine which debts to pay off first.
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.
Can Dental Discount Cards Really Help You Save...
A dental discount card can help you save money on your dental bill. It is not the same as insurance. Learn if a dental discount card is right for you.
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.
What Is Term Life Insurance?
Term life insurance is the best option for life insurance. The lower rates allow you to purchase a larger policy. Learn more about term life insurance.
Learn what to do when your account has been...
It can be scary when you have debt collectors contacting you about debts that are overdue. Learn how to deal with your debt collectors effectively.
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.
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.
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.
Learn to Save in 3 Problem Budget Categories
These tips will help you save money in three of most problematic budget categories. Saving money can help you reach your goals more quickly.
Living Together? Learn the Smart Way to Handle...
A household budget is one way to handle finances when you are living with a partner and not married yet. This will protect you and keep things fair.
IRAs at Your Bank
Your bank should offer IRA accounts. These accounts are different then the IRAs available at your bank
Learn How to Find the Best Mortgage for Your...
There are many mortgage options available to you. Learn now to choose from several different loan and payment options when it's time to buy your home.
The Dangers of Payday Loans
Many people fall into the trap of using payday loans to get them out of a tight financial situation without realizing the danger they are putting themselves in.
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.

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