Six Ways to Save on Gym Memberships

At gyms across America, it’s hard to get a treadmill in January. That’s good news for gym owners; within the next month throngs of new gym-goers will pony up initiation fees, sign year-long membership contracts and—in general—pay too much. But not you. If you’ve resolved to join a gym in 2010, you don’t have to […]

What To Do If Your Employer Doesn’t Offer a 401(k) Plan

About 75 percent of Americans have done at least a little saving for retirement. Yet only 55 percent of full-time employees in America contribute to an employer-sponsored 401(k) or 403(b) retirement plan, according to reports by the Employee Research Benefit Institute. Although some employees choose not to contribute their employer’s 401(k) plan, other employees would […]

Why Recessions Are Good For Our Economy

I know what you’re thinking: How can high unemployment rates, declining stock markets, and having less cash in your wallet be good things? We like to think that in a perfect world, we would never have to endure the hardships associated with economic downturns like lost jobs, watching our 401(k) accounts dwindle, or worrying about […]

American Express Zync Card Review

American Express Zync Charge Card

Notice: The Zync card from American Express has been discontinued; this article is for historical purposes only! The American Express Zync Card, a charge card geared towards twenty-somethings, is a possible alternative to traditional credit/debit cards for anybody under 30. I have been a fan of Amex charge cards and used one myself for a […]

Why Checks Will Disappear

How often do you write a paper check? A few times a month? Less? Debit cards, online bill-pay, direct deposit, and electronic checking accounts are making the paper check more and more obsolete. And soon, checks will vanish completely. In Britain, banks are expected to vote today to eliminate paper checks by 2018. Ireland and […]

Debt Reduction Takes Tough Love

For the first three years of my post-college life, I had this nagging, troubling pain in the pit of my stomach at the end of every month. Will I be able to pay rent this month? Can I pay my credit card bill? I came out of college with no personal finance experience and had […]

Four Simple but Costly Money Mistakes

Whether you’ve been on your own for a few days or a few years, try to avoid these common money mistakes young people make. Already made them? Don’t be hard on yourself; chances are you just didn’t know better (a big part of money smarts comes from learning from your mistakes).

How To Save Money On Your Cell Phone

save money on your cell phone

We all want to save money on our cell phone. No matter which plan you choose you always have this nagging feeling that you are paying too much. Here are some ideas to truly save on your cell phone service.

Why Avoid Bankruptcy?

A few weeks ago I was listening to a financial radio show on a day when every other caller wanted to know if they should file bankruptcy. One man was dealing with estranged spouses (yes, plural), a failed business, and hundreds of thousands in debt. It was no surprise he was considering bankruptcy. From there, […]

All About Exchange-Traded Funds (ETFs)

Exchange-traded funds, or ETFs, are sooo hot right now, and with good reason. ETFs allow investors to purchase an entire index with the same convenience and cost of buying a single stock. Are ETFs a wise move for you? ETFs Defined The “exchange-traded” part of exchange-traded fund means that investors can buy and sell ETF […]