If there were really a legal way to make big bucks for minimal effort, everyone would be doing it. So if you think you’ve found a money-making scheme that truly can’t miss, check first to make sure it isn’t one of these. They all sound good at first blush, but they just don’t stand up to scrutiny.
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Customer loyalty programs give you rewards on nearly everything you buy at certain stores, including discounts and points tradable for free stuff. Find out which loyalty programs get high reviews and how to make them work for you.
There was a time when “bargain hunting” meant physically beelining to a store’s clearance rack, visiting thrift shops, or spending weekends on the local garage sale circuit. Those days are long gone, and Groupon deserves a disproportionate share of the credit. Groupon debuted in the late 2000s. Its original iteration was a social coupon clearinghouse
While budgeting might not be brain surgery, it’s a lot more difficult when you don’t know exactly how much you’ll take home each month. Temporary workers, independent contractors, freelancers, business owners, and others with fluctuating incomes need to create budgets that work with their situations. If your income varies from month to month, here’s how to build a budget that meets your needs, as well as some tips for staying within that budget.
There’s no one-size-fits-all financial advice because everyone’s financial priorities are different. And even when two people share similar financial goals, they can take several routes to reach the same destination. So how do you determine your financial priorities? How do you achieve them? And perhaps most importantly, how can you bend the rules to work
You’ve considered the pros and cons of personal loans and decided a personal loan is right for you. But before you begin the personal loan application process, you need to know whether you’re eligible for a loan in the first place. Lenders have the final say on personal loan eligibility, and no two lenders weight the factors
Landing your first career-track job is cause for celebration. Before you start planning for your first day on the job, take an evening or weekend to revel in your accomplishment. You deserve it. What must come next will not be as fun, but it’s crucial to your long-term financial position. Your first “real” job is
Most of us could use a little extra cash. Maybe you’d like more money to pay down debt or build up an emergency fund. Maybe you have no debt and plenty of savings, but it’s always nice to have a few extra dollars to save for retirement, treat yourself to a special vacation, or splurge on something
Despite what you might hear from certain corners of the personal finance realm, debt is not the root of all evil. Financially responsible folks use credit cards for everyday purchases, finance car purchases with secured vehicle loans, and take out mortgage loans to purchase homes they could never dream of paying for in cash. Secured
My wife and I live in an old house that sometimes shows its age. Not long after we bought the place, we returned from a restful winter weekend getaway to a bone-chilling surprise. At some point while we were gone, the aging thermostat failed to call for heat, leaving the boiler idle as the outside
Few life events are as stressful as bankruptcy. Every penny, asset, and source of income is put under the microscope for dissection. When it’s over and you finally receive your discharge or dismissal, you realize you’ve only reached the end of one set of challenges. Yes, the bankruptcy and debt collection threats are behind you,
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 or more say they always or usually live paycheck to paycheck, and 59% of them are in debt. Living paycheck to