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Saving Toolbox

Archive for: Saving & Banking

How To Save When You Were Born To Spend

Are you a Natural Born Spender or Natural Born Saver? Believe it or not, research suggests that---Spender or Saver---you may really be born that way. So if you want to change your financial habits---say cut back on impulsive purchases and save a … [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...]

How to Finally Make Your Budget Stick: Two Shortcuts That Work

Pop quiz: Do you know how much you spent on eating out last month—to the penny? I don’t. Does that surprise you? After all, I publish a financial blog. Shouldn’t I join the chorus of financial pundits singing: “Thou must create a budget and t … [Read more...]

How Much Do You (Really) Need in an Emergency Fund?

One of my goals for this blog is to try to provide authoritative answers to some of the most commonly asked questions about money. One such question is: “How much do I need to save in an emergency fund?” Long ago, I answered that question wi … [Read more...]

Track Your Spending with Mint Trends

Not too long ago, I compared budgeting to dieting. Want to lose weight? Count the calories you eat. Want to save more money? Count the pennies you spend. Of course, just like counting calories, tracking your spending manually is---to put it … [Read more...]

How Can Banks Win Your Business?

Take a moment and think about your bank or credit union. What do you like most about it? What do you hate about it? Why did you choose it in the first place? Finally, what would another bank or credit union have to do to get you to … [Read more...]

The Best Places for Your Short-Term Savings

It's time to give yourself a ten-second financial check-up: Are all of your hard-earned dollars earning interest? Savvy investors know that every dollar deposited at a bank, brokerage, or financial institution should be making money... and … [Read more...]

Steven Slater Proves It: You Need an F-You Fund

I love the Steven Slater story. In case you’ve had your head in the sand for the past few days, here’s the quick version: Slater was a Jet Blue flight attendant who had a really crappy Monday at work. After an altercation with a defiant pas … [Read more...]

BankSimple is Coming, and I’m Excited

You already know I have a bank fetish, so it should be no surprise that the latest banking startup has me in a tizzy. It’s called BankSimple. Cofounded by one of the original engineers at Twitter, BankSimple promises simple online services and “ … [Read more...]

Student Budgeting: Make Your Summer Job Pay All Year Long

I'm not going to lie: When you're a student, budgeting is no easy task...especially if you need money you earn from a summer job to last all year long. Unless you have a regular source of income during the school year, you need to stick to a pretty … [Read more...]