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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.
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.
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.
Get out of your financial rut with these six...
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.
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.
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.
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 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.
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 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.
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.
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.
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.
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.
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-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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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. Payday loans can create a vicious cycle for the borrower.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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 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.
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.
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.
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.
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.
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 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.
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.
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.
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.
Learn if a traditional or high deductible...
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.
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.
Emergency Funds
Learn what an emergency fund is, how to determine how much to save and the best savings tool for it.
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.
Learn the tricks to making budgeting as couple...
Learn the best way to begin budgeting together. This tutorial will help you get started and help you end money fights before they start.
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.
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.
5 Things You Don't Need to Buy for College
Moving out on your own, even to a dorm room, can be expensive. Learn what to skip buying and what you definitely need. Plus learn ways to save.
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.
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.
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 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.
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 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.
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.
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.
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.
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?
Advantages of Credit Unions
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.
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.
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.
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.
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 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.
Learn simple steps you can take to save money...
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 save on your taxes and make the...
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.
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.
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.
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.
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.
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.
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 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.
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.
Even if you rent, you need insurance to protect...
Renter's insurance is an easy way to protect your valuables. Learn how much you need and things you should consider before you purchase your policy.
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.
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.
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.
A home equity loan works differently from a...
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.
7 Financial Concepts You Need to Master Now
Learn the essential things you need to do when you are just starting out on your own. Learn everything from insurance to banking to budgeting.
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.
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.
Short Term Disability Insurance
Short term disability insurance can help to cover expenses when you are injured or become serious ill. Learn whether or not you should have short term disability insurance.
Learn what you can do to prevent a hold being...
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.
Learn five things you can to get control of...
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 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.
How to Trim 3 Common Budget Categories
If you are looking for simple ways to save money during tough economic times you may want to look at the three categories that are the easiest to overspend in. Most people can easily save money on their food, entertainment, and transportation budgets without too much work. Trimming your spending in these three categories can make a big difference in your budget’s bottom line, and may not take as much effort as you think it will.
Checking your balance at the ATM may not always...
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 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.
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.
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.
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 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.
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 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.
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.
Are Long-Term or Short-Term Investments Better?
When you begin investing you will have several different types of investments to choose from. Some investments are considered short-term and others are used for longer investing periods. It is important to consider your ultimate goals and with the amount of risk you are willing to take.
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.
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.
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.
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.
Are you just saving 10 percent of your income?...
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.
Cut Down on College Expenses with 4 Easy Ways...
Saving money in college is one of the best things that you can do financially. It can be difficult on a tight budget, but it is possible.
How much is eating out really costing you? Find...
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.
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.
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.
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.
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.
Beginner's Guide to Using a 401(k)
Your employer may offer a 401(k) option for your retirement. Learn what a 401(k) plan is and how to use it to help you reach your goals.
Learn things you can do to make reaching your...
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.
The Unemployed College Grad Survival Guide
Many people find the time between graduating from college and finding your first job difficult. This guide will help you survive it.
How To Buy Your Professional Wardrobe
Buying your first professional wardrobe can be expensive. Here are tips to help you save money while still dressing professionally.
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 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.
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.
5 Questions to Ask Yourself Before You Go Back...
On the surface graduate school may be very appealing. It can open more job opportunities, and increase your earning potential. However it may not be the right decision for everyone. If you do not increase your earning potential substantially the cost of the school may not outweigh the benefit.
Learn how paying your bills online will help...
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.
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.
Christmas Saving Strategies
The holiday season is a very stressful time for most people. Learn how planning and shopping early can help reduce financial and emotional stress.
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.
You have a credit score and 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.
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.
5 Strategies to Deal with Financial Stress
Money causes stress. Whether you are worried about your debt or the amount of money you save, there are things you can do to reduce your stress about money.
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.
Help! I'm Stuck Living at Home
In a difficult economy, you may not be able to find a new job right away, or you may be so overwhelmed by student loan debt that you are considering moving back in with your parents. Or you may already be there, and you do not quite know what to do to get out of the situation. You can turn your situation around with hard work and dedication.
5-Step Guide to Filing Self-Employment Taxes
If you are self-employed you need to know how to pay your self-employment taxes. Learn five steps to help you pay your taxes correctly and on time.
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