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Saving Toolbox

Archive for: Saving & Banking

Is This A Better Use For Your Credit Card Rewards?

A majority of Americans prefer cash back credit card rewards to frequent flyer miles and other rewards programs, according to a recent study by Creditcards.com. That’s not surprising – after all – cash is king. But in addition to choosing a credit … [Read more...]

Digit.co Review: A Free App To Put Your Savings On Autopilot

Learning how to put your savings on autopilot is one of the best things you can do for your money. And in addition to automatic transfers, it’s best to keep your money somewhere you (almost) forget exists. That’s important for everybody, but even m … [Read more...]

Can You Afford A Broken Arm? Insured Or Not, Hospital Bills Hurt; 5 Apps Than Can Help You Save

Could it be: $500 for stitches? Actually, it can cost even more per stitch. No less a source than The New York Times reported this in December 2013, under the heading “Paying Till It Hurts.” The article relates how a woman visited the emergency roo … [Read more...]

USAA: The Bank And Insurance Company You Should Use (If You Can)

It's tough to be a big bank. Consumers love to hate them and the government regulates everything they do. Still, they profit like bandits and line the pockets of their Wall Street executives with seven-figure bonuses. As a consumer, it can … [Read more...]

How We Save: Hannah Vitkus, 28, Gets Ahead With Goals And Automatic Savings

It is funny how growing up, it's easy to think that there is only one way to do things--namely, the way that our parents taught us. My parents are hard-working, driven, and intelligent individuals. They worked hard to provide for my three siblings … [Read more...]

Put Your Money On Autopilot

If I've learned one new thing in six years of blogging about money, it's this: The most important factor in financial success is not having a budget, meticulously avoiding debt, or choosing the right investments. It is having a system that makes the r … [Read more...]

For Private Student Loans, Consider Credit Unions

There was a time when your summer job could let you pay for college tuition on your own, and your part-time gig near campus would cover living expenses like rent, food, and gas. In today's reality, an independent student simply cannot earn enough t … [Read more...]

Is Cash Obsolete? The Inevitable Dangers Of Our Cashless Economy

I’m looking in my wallet right now, and not counting the $4 in “extrabucks” from my CVS pharmacy, I’m carrying $20.75. And at least a few days a month, I don’t carry any cash at all. Does this mean I’m broke? Sure, I’m a writer — but I hope not. Th … [Read more...]

How Does Your Emergency Fund Compare? New Stats Reveal Americans’ Rainy Day Savings Habits

If you’re used to walking around without any money in your wallet, then maybe the college habit of surviving on ramen noodles made a big impact on you. Either that, or you’re so adept at using banking apps and debit cards that you really don’t see the … [Read more...]

The Surprising Reasons Most People Don’t Trust Mobile Banking (And Why Millennials Have A Greater Risk Of Identity Theft)

You have to wonder if anyone—or any monolithic institution—is truly safe from the perils of electronic hacking. Just a few weeks ago, eBay acknowledged that its customer database had been compromised. But this wasn’t any ordinary hack, mind you: Th … [Read more...]