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Saving Toolbox

Archive for: Saving & Banking

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...]

How Much Money Should You Have Saved by 30?

It's among the most common questions I get: How much money should I have saved by 30? (Or by 25, 22, etc.) Of course, it's always seemed to me to be a silly question, because everybody has unique financial, lifestyle, and career situations. Still, … [Read more...]

Emergency Funds: Everything You Need to Know

If you lost your job tomorrow, do you know how you'll pay the rent next month? If your car's transmission broke and required a $2,000 repair to be back on the road, could you pay the bill without going into debt? For more than half of … [Read more...]

Quick Look: Venmo, A New Favorite P2P Payment App

I hate checks. I hate carrying cash. But most of all, I really hate PayPal.  Yet, when it comes to paying friends, I was stuck using one of them. That is, until I was introduced to the P2P payment app, Venmo. Available for iOS and Android, V … [Read more...]

With This One Simple Mental Trick, You’ll Be Amazed at How Much More Motivated You’ll Be to Save

Are you a natural-born saver or a natural born spender? If you're like me and you find it difficult -- even unnatural -- to hang onto your money, it might help to reframe how you think about saving. Browse any personal finance book or blog and … [Read more...]