(Misfit Photographer)

4 Ways You Can Save Your Self Into Financial Trouble

In general, saving money is good. But if you are overzealous about your thriftiness or think only in terms of immediate or short-terms savings, you could end up paying more in the long run. [More]

1-In-3 Americans Still Feeling The Sting Of Recession

1-In-3 Americans Still Feeling The Sting Of Recession

While many Americans are now doing better than they were during the Great Recession, those dark days took such a toll on many consumers’ savings that some people who are currently doing well enough to pay the bills and enjoy a decent living aren’t able to make necessary longterm investments, like buying a new home or saving for retirement. [More]

Despite Lessons From Great Recession, Few Consumers Save For Emergencies

Despite Lessons From Great Recession, Few Consumers Save For Emergencies

Did consumers learn nothing from the Great Recession? Okay, they learned several things, but putting away for a rainy day doesn’t appear to be one of them. [More]

More Families Are Saving For College, But It May Not Be Enough To Match Rising Tuition Costs

More Families Are Saving For College, But It May Not Be Enough To Match Rising Tuition Costs

If we’ve said it once, we’ve said it a million times: college tuition is rising and along with it, student debt. While a new report shows that families are doing their best to help cover the costs by saving more, it likely won’t be enough. [More]

Anti-Theft Kill Switch For Smartphones Could Save Consumers $2.6 Billion A Year

Anti-Theft Kill Switch For Smartphones Could Save Consumers $2.6 Billion A Year

Smartphones are a popular target for thieves, in fact nearly 1.6 million phones were stolen in the United States in 2012. The anger knowing that you’ll have to shell out big bucks to replace it is almost comparable to the feeling of helplessness and rage one feels after having their trusty phone snatched away in the first place. But one simple change to all smartphones could lessen those feeling and keep $2.6 billion in consumers’ collective pockets. [More]

Ease The Pain Of Gas Price Increases And Boost Your Savings

Ease The Pain Of Gas Price Increases And Boost Your Savings

When gas prices rise, people who do a lot of driving feel it in their wallets. It hurts a lot. What if you could lessen the pain of fluctuations and put together a tiny nest egg in the process? That’s the idea behind the $4 Gas Savings Club. [More]

Sure, We Need A Smartphone-Enhanced Piggy Bank

Sure, We Need A Smartphone-Enhanced Piggy Bank

Smartphones have changed modern life, from our inability to disconnect from our jobs to making commutes more fun to making it possible to order items online from inside a store. There are some applications of smart technology, though, that are just plain stupid. Like the Porkfolio, an Internet-enabled piggy bank. [More]

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What Is The New MyRA Retirement Savings Plan, And How Is It Different From What We Already Have?

Retirement, for many American workers, is so far off in the future and so far behind other, more immediate priorities that their savings are, well, nonexistent. In an age where employer pensions are vanishing every day and Social Security may not provide all the income a retiree needs, individual savings are key to making it through the golden years.  Though many folks have 401(k) or IRA accounts, many more don’t. [More]

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Save Money Without Thinking About It: Don’t Spend Dollar Bills

Have trouble saving money? Here’s a deceptively simple plan to boost your savings. Shift as much of your everyday spending to cash as possible. Choose one denomination that you receive back in change and never spend it. Deposit the accumulated bills in the bank instead. [More]

Do You Have Emergency Savings? Almost Half Of Americans Don’t

Do You Have Emergency Savings? Almost Half Of Americans Don’t

Is there a box of cash stuffed behind the freezer-burned chicken in your freezer to cover your butt in case of an emergency, or even better, money set aside in your savings in case you need it? Almost half of all Americans — 49% — don’t have enough emergency savings to cover three months of expenses, says new research. [More]

Responsible Ways To Spend Your Tax Refund

Responsible Ways To Spend Your Tax Refund

Every year around this time, people tend to engage in bragging contests about how big their tax refunds are. These folks are oblivious to the fact that savvier planning would have let them keep their money rather than giving it to the government in a tax-free loan. [More]

Leave The Workforce Without Sacrificing Your Retirement

Leave The Workforce Without Sacrificing Your Retirement

If you need to step away from your career for a while to stay at home with your kids or care for an elderly or incapacitated loved one, your automatic systems for saving for retirement will probably shut down. In order to make sure you don’t jeopardize your nest egg, you’ll need to make adjustments to account for your decreased savings power. [More]

Calculate How Much Of A Reserve Fund You Need

Personal finance experts crow on and on about how crucial it is to save up a reserve fund to help you survive a job loss or financial disaster. Deciding exactly how much to set aside, however, is a matter of philosophies and resources. [More]

If You Really Need To Win The Lottery, You Probably Shouldn't Play

You don’t need to be a financial genius to realize that lottery tickets are a poor investment. Players plunk down a little bit of money in exchange for short-lived, long shot dreams of wealth. While indulging the urge to buy a ticket won’t kill most budgets, the regular, compulsive act of gambling needed funds on all-but-unwinnable bets is something different. [More]

Punish And Reward Your Own Behavior To Save Money

Punish And Reward Your Own Behavior To Save Money

If you want to start saving but know you lack the discipline to stash money away, you’ll need to come up with ways to trick yourself into getting into the mood. An ongoing game of mental solitaire could end up being quite profitable. [More]

Stuff You Can Do To Save Money Today

Stuff You Can Do To Save Money Today

If you find yourself in tight financial times, your instinct will probably be to hunt around for ways to cut spending. While it’s tough to make sweeping changes that will result in major savings, you can feel better about yourself by culling together little ways to save here and there. [More]

Banks Marketing 1% APR Bank Accounts As "High-Yield"

Banks Marketing 1% APR Bank Accounts As "High-Yield"

Considering how “high-yield” savings accounts used to give returns of 4-5%, reader Phil thinks it’s a bit disingenuous for banks to continue marketing them as such when the rates are only 1%. He sent in a picture of a recent piece of junk mail he got from American Express to illustrate. [More]

Wouldn't It Be Nice To Find Out Your Checking Fees With A
One-Pager Like This?

Wouldn't It Be Nice To Find Out Your Checking Fees With A One-Pager Like This?

Wouldn’t it be really cool if your checking account disclosure form looked like this nice one-pager the Pew Research Group mocked up? Naw, just kidding. We know you love reading paragraphs of tiny text that have the important clauses buried in the middle of longer sentences. Playing a scavenger hunt to find out what fees you have to pay is part of the fun of having a checking account! [More]