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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.
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.
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 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.
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 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.
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.
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.
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.
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.
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 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.
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 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 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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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 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 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.
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.
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.
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.
How To Catch Up on Late Payments
If you find that 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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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 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.
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.
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.
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 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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Emergency Funds
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it.
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.
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.
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?
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
Should I Consolidate Debt?
When you consolidate debt you have the opportunity to lower your monthly payment and reduce the amount of interest that you pay, but there are risks involved when you consolidate debt. Learn about the risks and rather or not you should consolidate debt.
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.
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.
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.
Did you forget to include these five 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.
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.
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.
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.
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.
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.
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.
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.
How To Choose Your Health Insurance
It can be difficult to wade through the stack of health insurance enrollment forms. You may have many options and you are not sure which one to choose. You can learn how to determine the one that is right for 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.
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.
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.
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.
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.
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.
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.
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.
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.
Why Do I Need Health Insurance?
Everyone needs health insurance. It protects against medical debt and protects you if you have a serious illness. Learn why you need 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.
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.
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.
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.
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.
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.
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.
Learn if an FHA Loan Is a Good Option When You...
An FHA loan allows you to purchase a home without a large down payment. It can help you buy your first home much sooner, but does have drawbacks.
How To Use COBRA Insurance
Learn how to use COBRA insurance. This is an option that can save you money and allow to keep coverage even after you lose your job.
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.
How Are a Credit Score and a Credit Report...
Your credit report and your credit score are two different things though they are related to each other. Learn the differences and how to manage both.
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.
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.
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 Signs That You Have Spending Issues
Learn the warning sings of serious spending issues. If you have any of these signs, you need to seek help to deal with the problem.
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.
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.
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.
How to Start Telecommuting
Telecommuting has several advantages, but it can be tricky to find a job and manage work and family obligations. Learn how to start telecommuting.
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.
How To Determine Your Net Worth
Learn how to determine your net worth. You can also learn what this means and how to change your financial outlook.
5 Steps You Can Take to Avoid the Credit Card...
Learn the basic steps you can take today to help you avoid falling into the credit card trap. These steps are easy to implement.
How Do I Determine the Order of Paying Off My...
When you first set up your debt payment plan, you will need to determine the order of paying off your debts. Learn how to determine which debts you should pay off first.
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
5 Questions to Ask Before You Head Back to...
On the surface graduate school may be very appealing.However it may not be the right decision for everyone. Learn if it will help you.
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.
Where Can I Open an IRA?
When you open an IRA, there are many investment options you can choose from. Learn the different options available in your own IRA account.
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 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 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.
Why Am I Still Struggling After I Got a Raise?
When you get a raise, you may be excited about the extra money you will get each month, but you are still struggling. Learn where your money is going.
Follow these rules if you want to refinance...
People refinance their mortgage for a variety of reasons. Learn what things you need to do when your refinance your mortgage.
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 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.
Financial Choices and Your Twenties
Learn how your financial decisions now can affect you in the future. This article points out that money is a tool, that you can choose to use effectively or ineffectively. As you address these issues you will better be able to make your money work for you.
Private Mortgage Insurance (PMI)
Private mortgage insurance is designed to protect the lender from the buyer defaulting on a loan. Learn how you can avoid PMI.
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