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How to File a FAFSA as an Independent Undergraduate Student

As an undergrad you are still considered a dependant of your parents for the purposes of federal aid. That means that you need their financial information when you apply for federal aid, even if they aren’t helping you go to school. It might not be fair, but that’s the default assumption. However, there are a few exceptions which we discuss here.

Holiday tipping guide: How to tip when budgets are tight

Your regular service providers, from your massage therapist to your pet sitter, may deserve a small holiday bonus. Don’t feel pressured to give more than you can afford, but a good rule of thumb is anywhere from $20 to the cost of one session/service.

Financial Literacy: Keep Your Money Tight and Right

Financial literacy is the ability to manage money in a way that encourages financial health. Mastery of budgeting, saving, debt, and investing make up financial literacy’s key components, and these core topics should be part of any comprehensive education.

Cash vs. credit vs. debit — which should you use?

Many people no longer use cash and instead opt for debit and credit cards. But there are certain situations where one may work better than the others. Here’s when to use cash, debit cards, and credit cards.

Bear vs. bull market: What’s the difference and which are we in now?

A bear market is a colloquial term for when prices are trending downwards and/or investors are feeling pessimistic. By contrast, a bull market is defined by optimism and rising prices. You can capitalize on our current bear market by getting certain securities “on sale,” but don’t feel FOMO — sticking with core investing principles is always the best option.