Advertiser Disclosure

Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, Chase, U.S. Bank, and Barclaycard, among others.

Home Authors Posts by Sarah Graves

Sarah Graves

Sarah Graves, Ph.D. is a freelance writer specializing in personal finance, parenting, education, and creative entrepreneurship. She's also a college instructor of English and humanities. When not busy writing or teaching her students the proper use of a semicolon, you can find her hanging out with her awesome husband and adorable son watching way too many superhero movies.
Baby Monitor Nursery Bear Crib

10 Best Baby Monitors – Types, Features & How to Choose

Any new parent quickly learns a baby in need shrieks loud enough to wake the neighborhood. But baby monitors are still a must-have baby item for many, offering the extra reassurance that everything's OK, even when...
Baby Sitting In Swing Tray Toys

10 Best Baby Swings & Gliders – Types, Features & How to Choose

Anyone who's ever cared for a baby knows how hard it is to get anything done when you only have one free hand. The fourth trimester is real, and you're hardly alone if your...
Intermittent Fasting Plate Cutlery Clock

What Is Intermittent Fasting – Benefits & Downsides, How It Works

Intermittent fasting (IF) has become one of the hottest health trends. Some use it to lose weight, others to combat diseases like diabetes and cancer. Regardless of the reason, people considering IF usually have...
Cash Gold Wedding Bands Rings Cash

17 Conversations to Have About Money Before Getting Married

It's no secret that money arguments are one of the top predictors of divorce. Yet according to a 2019 SunTrust survey, only 51% of couples discuss finances before marriage. Even more surprisingly, only 41% of...
Daughter Giving Mom Christmas Present Holiday Gift Giving

40 Best Christmas Gift Ideas for Mom (on Every Budget)

When you're young, Mom's the easiest person on your holiday list to "shop" for - she's generally happy with whatever her kids give her. In fact, a handmade card or beaded necklace warms a...
Christmas Gift For Dad Living Room Tree Surprise

40 Best Christmas Gift Ideas for Dad (on Every Budget)

Dads are some of the toughest people to shop for. According to a study commissioned by ipostparcles, a British division of the package delivery service DHL, people spend more time agonizing over finding the perfect gift...
Student Education Loans Books Piggy Bank

Federal vs. Private Student Loans – Which Are Better? (Pros & Cons)

If you're about to head off to college or graduate school, you're likely wondering how you'll pay for it. While it's best to avoid student loan debt as much as possible, taking out loans...
Christmas Holiday Gift For Teachers Desk Supplies

30 Best Christmas Gift Ideas for Teachers

Teachers typically claim they don't need any gifts because teaching is reward enough. Yet the job of any teacher - whether of kids, teens, or adults - is immensely difficult. It requires gobs of...
Thanksgiving Crafts With Kids Pilgrim Turkey Pumpkin Indian

33 Fun Thanksgiving Activities, Games & Crafts Ideas for Kids

Most people think of Thanksgiving as a holiday centered on eating. But Thanksgiving is really about gathering with family and friends to enjoy time together and share our gratitude for one another. If you're having a few adults over...
Keto Diet Meal Prep

20 Tips to Do the Low-Carb Keto Diet on a Budget

The keto diet can become complicated and costly to follow but it doesn't have to be. The diet emphasizes eating whole, natural foods and tossing the processed stuff. It's possible to simplify the meal prep and planning process and save money at the same time.
Wasting Time Paper

10 Productivity Killers to Avoid If You Want to Manage Your Time Better

When it comes to productivity, most people think of systems or practices that help them do more, especially when it comes to fitting even more tasks into the limited time we all have each day. Instead, if you really want to discover the secret to being more productive, you may want to focus on actually doing less. If you want to be more productive, there are certain things you'll want to avoid doing.
Infertility Positive Pregnancy Test Treatment Pills

14 Ways to Deal With the High Costs of Infertility (and 5 Things to...

Infertility is rarely discussed yet fairly common. According to statistics from FertilityIQ, it impacts one in eight Americans. That's more than those with diabetes, breast cancer, or Alzheimer's disease. Yet as prevalent as infertility is, insurance...