I did everything backward when I started freelancing. I was fresh out of journalism school. Instead of getting an entry-level job at a newspaper or magazine, I immediately started looking for online gigs. My then-husband and I were up to our eyeballs in student loan debt. He still had years of schooling ahead of him….
Freelancing Full-Time? 5 Personal Finance Moves
May 8, 2023
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How to Set Up an Automatic Payment Plan
Creditors, especially banks and credit card issuers, are unbelievably sensitive to whether you pay your bills on time. So is your credit score. One slip-up could cost you dearly if that means you lose your low- or no-interest rate, or a late payment results in a big late fee. Late payments when reported to the…
How a Fed Increase Could Affect Credit Card Debt, Auto Loans?
May 6, 2023
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NEW YORK—The Federal Reserve has raised its key interest rate yet again in its drive to cool inflation, a move that will directly affect most Americans. On Wednesday, the central bank boosted its benchmark rate by a quarter-point to 5.1 percent. Rates on credit cards, mortgages and auto loans, which have been surging since the…
How to Have a Fun Summer When Your Finances Fall Short
With layoffs, bank closures and inflation, financial tensions remain high for many Americans heading into the summer. In a fall 2022 survey conducted by The Harris Poll for the American Psychological Association, 83 percent of adults said inflation was a source of stress, and 56 percent said they and/or their family had to make different…
The Financial Literacy Basics Entrepreneurs Need to Know
By Derek Notman Like most of you, I grew up with virtually no formal training on money. I learned that we definitely need money to get the things we want and one way or another, we have to work for it. Short of getting my passbook savings account back in the ’80s, I was taught…
How to Take the Pain Out of Saving Loose Change
I am not one to spend coins. I prefer to save them. In fact, I go out of my way to make sure I get plenty of change. But I hate to carry loose change, so my husband and I routinely dump the day’s accumulation into a container to save for a trip or to…
11 Ways to Make Financial Planning Easier
April 27, 2023
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Financial planning may be necessary but it’s also notorious for being a decidedly unpleasant experience. For many people, dealing with intimidating life events such as children in college or reaching retirement age, can trigger much emotional or mental stress. Still others may feel overwhelmed as they explore various possible scenarios, challenges, and solutions. Without doubt,…
How to Bolster Your Financial Confidence
April 25, 2023
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Melinda Perez, a financial educator, still remembers the first time she felt financially confident. She had recently started investing money outside of her employer-sponsored retirement account because she was finally earning more than she spent. “It was exciting because for once, I had what felt like extra money,” recalls Perez, who lives in San Antonio,…
How to Save Yourself From a Foolish Purchase
I wish I had a quarter for every stupid purchase I’ve made in my life. I’d have some major dough. Regrettably, my financial faux pas have been remarkable in both quantity and quality. I’ve made some real doozies. Take the above-ground swimming pool. Its a la carte price was bad enough. Adding everything required but…
Young Adults Traveling on Fiscal Thin Ice
Prices for travel remain stubbornly high. The cost of airfare in February was 27 percent higher than the same month a year earlier, according to U.S. Bureau of Labor Statistics data. And rental car prices—having shot up during the pandemic—remain high today, as they’re 37 percent pricier in February than they were in the same…
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