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Home Authors Posts by Amy Livingston

Amy Livingston

Amy Livingston is a freelance writer who can actually answer yes to the question, "And from that you make a living?" She has written about personal finance and shopping strategies for a variety of publications, including,, and the Dollar Stretcher newsletter. She also maintains a personal blog, Ecofrugal Living, on ways to save money and live green at the same time.
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How to Deal With the Family Glitch in the Affordable Care Act

In 2014, a woman wrote to Consumer Reports with a problem. She said her husband was able to get health insurance at his job for $130 a month, which was about 4% of their...
Stop Living Paycheck

How to Stop Living Paycheck to Paycheck

According to a 2017 CareerBuilder survey, 78% of all workers say they live paycheck to paycheck. It's not just low-wage workers who have this problem, either. Nearly 1 out of 10 workers making $100,000...
Girl Hiding Face With Hands Black White

4 Fears That Cost You Money and How to Overcome Them

Everyone, from powerful world leaders to babies in their cribs, is afraid of something. Fear is a normal human response to danger - and most of the time, it's a useful one. It can lead...
Credit Cards Frozen Snow

How to Lock or Freeze Your Credit and Why You Should Do It

In September 2017, hackers broke into the servers of the credit bureau Equifax, gaining access to the personal information of roughly 143 million Americans. In the wake of this attack, many financial experts urged...
Rising Interest Rate Coins

What Do Rising Interest Rates Mean for You? – Effects & How to Prepare

For much of the past decade, interest rates have been at historic lows. Interest rates set by most lenders tend to go up and down based on the federal funds target rate, or the...
Credit Score Phone Scale

Should You Pay for a Credit Monitoring Service? – Best Options

In 2017, the credit bureau Equifax announced that hackers had broken into its servers and gained access to the personal information of roughly 143 million people, putting them at risk of identity theft. In the...
Tickets Sale Arrow Neon Sign

How to Get Cheap Concert, Event & Musical Tickets

Tickets for concerts, shows, and other events can be outrageously expensive. Here's a quick sampling of prices I recently found on Ticketmaster:A Jay-Z and Beyoncé show at MetLife Stadium in New Jersey: $54...
0 Balance Transfer Credit Cards Debt

How to Use 0% Balance Transfer Credit Cards Responsibly

After years of hovering at close to zero, interest rates are on the rise. The Federal Reserve raised rates three times in 2017 and twice more in early 2018, with more increases likely. That's...
Lying Spouse Financial Infidelity Marriage

How to Deal with a Lying Spouse – Financial Infidelity in Marriage

Julia has a secret credit card that she hides from her husband, Carlos. Whenever she goes out for a little retail therapy, she uses that card and has the bill sent to her office....
Dropped Lost Wallet

What to Do If Your Wallet or Purse Is Lost or Stolen

One day I was walking down the street minding my own business when a kid ran toward me and grabbed my purse off my shoulder. I tried to hold on to it, but he...
Labor Unions Workers Strike Usa

Labor Unions in the United States – How They Work, Pros & Cons

When you read news stories about the middle class in America, you often see terms such as "squeezed" or "declining." As a 2017 study by the National Bureau of Economic Research points out, average lifetime...
Cheap High Speed Internet Service Providers

How to Save Money With Your High-Speed Internet Service Provider

Let's get this out of the way right up front: Internet service in the U.S. is a mess.According to the latest Internet Access Services Report from the Federal Communications Commission (FCC), 40% of Americans...