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Saving Toolbox

Archive for: Saving & Banking

How to Open an International Bank Account

My first job outside the United States was in London. I worked for a travel company in Maine with international locations, so when an opportunity came up for me to hop the pond, I grabbed it. After making the move, the most important detail I had to … [Read more...]

Three Little Ways to Boost Your Emergency Fund

An emergency fund is the foundation of financial security. But whether you’re an I-Banker or starving artist, it’s never easy to sacrifice daily expenses now to build that emergency fund for later. We all want to save that extra cash each month, an … [Read more...]

Sallie Mae Savings Account Review

Sallie Mae Direct, the online banking arm of student loan company Sallie Mae, which maintains one of the highest national interest rates on its no-minimum balance online savings and money market accounts. Here's a quick review of the Sallie Mae … [Read more...]

Finance 101: How Do Banks Make Money?

Have you ever wondered why your checking account is free? Obviously, it's not because your bank is feeling charitable. Big banks make big money. The kind of money that leads to the obscene Wall Street bonuses we so often hear about. But banks make … [Read more...]

E*Trade Complete and Max Rate Checking Review

You may be familiar with E*Trade as one of the first online stock brokers. What you may not know is that E*Trade is also a great place to bank. They even do home loans and credit cards. E*Trade Max Rate Checking E*Trade's Max Rate checking … [Read more...]

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, … [Read more...]

Debit Card Dangers

It's a hot-button question: If you're in debt, do you get rid of all of your credit cards and stick to debit cards and cash only? Or can you discipline yourself to still use credit cards for routine purchases and pay the balance off in full every … [Read more...]

Simple Budget Worksheet

Budgeting is good for you, but often we don't do it. There's a big reason why most budgets fail, but close to the top of the list are all the complicated tools people use for budgeting. Some exercise is better than none. And a simple budget is … [Read more...]

Free Savings Calculators on the Web

Leading online savings bank FNBO Direct is relaunching its pay yourself first challenge with a handy savings calculator that lets you quickly evaluate your monthly saving and spending and find new ways to save. Here's a preview of FNBO's savings … [Read more...]

How Much Money Is In Your Checking Account?

Sometimes I’m fascinated by the simplest personal finance concepts—like the difference between keeping money in your checking account versus a savings account. The way I see it, there are a few different models to divide up your cash between checking … [Read more...]