How to Save Money and Build a Budget
Build a budget and start to save more money with these resources.
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Understanding the definition of gross income can be important because gross income is the starting point for calculating many other types of income.
What is Supplemental Income – and How is it Taxed?
There are many ways you can earn supplemental income, from your employer or from side gigs, to help achieve your financial goals – but take note of the tax implications.
What You Need to Know About Roth IRA Income Limits
Understanding Roth IRA contribution income limits can be key to your ability to use these tax-advantaged retirement savings accounts.
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Benefits Of Opening A Checking Account
Learn about the advantages of having a checking account, including convenience, security, and access to financial services. See how a checking account can streamline your banking.
Learning how to track your spending can provide clarity and help you stay in control of your finances and on track as you work towards your financial goals.
Fun Things to Do Without Spending Money
Explore fun things to do with no money (or very little). Museums, library events, game nights, and more all offer ways to unwind and socialize on a tight budget.
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Learning how to track your spending can provide clarity and help you stay in control of your finances and on track as you work towards your financial goals.
Explore fun things to do with no money (or very little). Museums, library events, game nights, and more all offer ways to unwind and socialize on a tight budget.
Learn about the advantages of having a checking account, including convenience, security, and access to financial services. See how a checking account can streamline your banking.
See how to pay bills and learn how to simplify the bill payment process to improve your financial wellness and avoid missed payments or late fees.
A P2P payment involves sending or receiving money via a third-party digital platform. They offer convenience but may carry a level of risk as well.
Discover the difference between fixed and variable expenses and how each impacts your monthly budget.
How long you should keep bank statements and other financial records varies. See how long you should keep records for tax purposes and personal finance management.
The 30% rule states that renters should spend no more than 30% of their gross monthly income on rent, but this rule may not work for everyone.
Learn how to plan a budget that covers unexpected health care costs as well as those expected ones, including insurance premiums and deductibles.
Wire transfers are a fast and secure way to send money. Learn how they work and what to consider before using one.
An American Express® Personal Loan provides financing for Card Members. Gain access to the funds that you need with competitive rates.
Learn how to open a checking account in this step-by-step guide, along with tips to help you manage your checking account effectively.
When do checks expire? How long a check is good for will depend on the type of check in question, and a few additional factors.
Planning your financial life starts with following smart advice. This includes knowing how to dodge some of the most common financial mistakes.
APR and APY both include interest rates, but one is mostly for borrowers and the other for investors. Learn more about the differences between APR and APY.
Understand what compound interest is and how it works. Make interest work for you and grow your finances more quickly.
Take control of your personal finances: Here are some expert budget-building tips and a 4-step guide to help you achieve your budgeting goals.
People can spend very different amounts on groceries, depending on their family size, income level, and many other factors.
Inflation is a measure of rising prices for the things people usually buy. No matter how large your income or savings, a high inflation rate means your money buys less.
Discrimination and political hurdles can make managing personal finance harder for LGBTQ+ folks. Creating a financial strategy and seeking expert advice can help.
In a zero-based budget, you assign a “job” to every dollar you earn, every month—whether you’re spending or saving that dollar.
Personal financial planning can help protect you from life’s unpredictability. Find tips to improve your financial planning process and learn to build a budget.
Learn how to manage your money and finances for the future with these smart money management tips.
Understanding the definition of gross income can be important because gross income is the starting point for calculating many other types of income.
There are many ways you can earn supplemental income, from your employer or from side gigs, to help achieve your financial goals – but take note of the tax implications.
Modify and adjust mean roughly the same thing. Here’s why our tax forms need modified adjusted gross income when we already have adjusted gross income.
Balancing a checkbook gets easier the more you do it. Learn the purpose of balancing your checking account, why it’s important, and how to do it correctly.
Gaining insight into discretionary income – what’s left of take-home pay after your life’s necessities are paid for – can help you be more financially fit.
Good financial habits can help you improve your overall financial well-being. Learn how these four tips can help jumpstart your journey to financial success.
Net income is the amount of pay you actually get to spend on needs and wants. Understanding net income can help your short- and long-term financial planning.
Adjusted gross income is simply all the money you made for a year minus special adjustments the IRS allows to help lower taxes.
HELOCs let you borrow funds from your home equity. Learn how HELOCs work and why they can be a cost-effective way to finance home improvement projects.
Understand what personal finance is, why it is important and how you too can do personal finance to help you manage your money.
The desire to be financially independent transcends gender. But there are unique issues women need to navigate to achieve financial freedom. These strategies can help.
Understanding Roth IRA contribution income limits can be key to your ability to use these tax-advantaged retirement savings accounts.
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How Much Should I Have in an Emergency Fund?
An emergency fund can help you manage your finances, especially when life becomes unpredictable. Learn how much you should have in an emergency fund, and where to keep it.
When to Tap Your Emergency Fund
An emergency fund can have your back through trying financial times, but it’s a good idea to avoid using it unless necessary. Learn when to tap into your emergency savings.
How Much Savings Should You Have?
How much should you really have in your savings account? Experts say it depends on many things – your age, income, lifestyle, and more. Find out how to think about your savings.
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Joint Bank Accounts: Pros & Cons
A joint bank account is an account you share with another person. Learn how a joint account works and the pros and cons of opening one.
A Guide to Investing in Stocks
A practical guide for beginners investing in stocks, including how to get started and how much to invest.
How to Make Your Money Work for You
There are many ways to get your money working for you without your active involvement. Here are 8 tips to maximizing your money.
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Robo-Advisors vs. Financial Advisors: How Are They Different?
When it comes to choosing between a robo-advisor and a traditional financial advisor, you’ll want to consider your needs, the cost, along with pros and cons.
What to Know About Investment After Retirement
Having multiple income streams in retirement is important. See key considerations and strategies that could help you to invest after retirement.
How to Determine Your Investment Risk Tolerance
Risk tolerance is the level of risk an investor is willing to take with their investments. Use these questions to help gauge your risk tolerance.
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Having multiple income streams in retirement is important. See key considerations and strategies that could help you to invest after retirement.
When it comes to choosing between a robo-advisor and a traditional financial advisor, you’ll want to consider your needs, the cost, along with pros and cons.
There are several ways that you can use debt to grow your wealth. It’s important to take on debt for the right reasons and with a clear strategy in place.
Risk tolerance is the level of risk an investor is willing to take with their investments. Use these questions to help gauge your risk tolerance.
Learn how inflation impacts investments, including stocks and real assets, and see strategies for mitigating its effects on your portfolio.
There are several ways that you can use debt to grow your wealth. It’s important to take on debt for the right reasons and with a clear strategy in place.
Diversification refers to shifting your investments to help limit your exposure and reduce volatility. See diversification strategies you may want to consider using.
Discover the tax advantages and benefits of a Roth IRA. Learn why tax-free growth and contribution flexibility make it a valuable investment tool.
Collateralized Loan Obligations (CLOs) are an investment option, but they do carry risks. Learn more about what CLOs are and how they work.
Understanding major asset classes can help you to make investment decisions. See diversification strategies that can help you create a balanced portfolio.
Thinking about investing? Here are a few steps to help you choose the type of starting investment that’s best for you.
Find out what an Individual Retirement Account (IRA) is, and see different types of IRAs, along with benefits, and contribution guidelines.
Explore financial habits, like setting goals and developing a healthy money mindset, that can help you achieve long-term financial freedom.
An inherited Individual Retirement Account (IRA) comes with different options for beneficiaries. Learn more about the complexities of inherited IRAs.
An Employee Share Ownership Plan (ESOP) allows employees to acquire shares in the company they work for. Learn how an ESOP works, and what happens if you leave.
Recessions can put your financial security at risk. Knowing what happens in a recession provides a roadmap to help make your financial plan recession-proof.
Actual cash value is a method used to calculate the value of insured property. Here’s how it works and how it differs from replacement cost value.
Real estate investing can potentially earn you money or diversify your investment portfolio. There are big, medium, and small ways for you to get involved in the market.
ETFs are investment funds that give investors a simple way to diversify their holdings, often for lower fees than mutual funds. Learn the pros and cons of ETF investing.
Equity funds are available in many different types. This explanation of equity mutual fund types can help new investors choose the funds that are right for them.
How investing works puzzles many people until they gain experience. This overview can help you get started.
Understand the difference between growth vs. value stocks to determine which investment style aligns with your goals.
What’s the difference between mutual funds vs ETFs? Despite many similarities, the main difference lies in how they’ve managed, which may affect their payoff for you.
Experts advise aligning your investments based on when you’ll need the money – short-term, medium, and long.
Learn how investments can help you grow money for the future, while savings accounts can help you keep money on hand.
Socially responsible investing can reward both the investor and the community by putting investors’ money toward ethical, socially conscious organizations.
Equity funds are available in many different types. This explanation of equity mutual fund types can help new investors choose the funds that are right for them.
A certificate of deposit, or CD, is a safe but limited way to hold some of your money. Learn when investing in a CD is the right choice for you.
If your employer offers a 401(k) investment option, it can be a convenient way to save for retirement. Here are the ins and outs of investing in a 401(k) plan.
Understanding the four main types of mutual funds can help beginner investors decide which mutual funds they might want to invest in.
Mutual funds offer a (relatively) easy way to invest in stocks or other financial assets – although they also involve some risk.
A joint bank account is an account you share with another person. Learn how a joint account works and the pros and cons of opening one.
A practical guide for beginners investing in stocks, including how to get started and how much to invest.
There are many ways to get your money working for you without your active involvement. Here are 8 tips to maximizing your money.
Thinking about investing? Here are a few steps to help you choose the type of starting investment that’s best for you.
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Money Market vs Savings Accounts: What You Need to Know
Savings accounts and money market accounts, while different, can each provide a safe and secure way to earn interest and grow your finances, regardless of market conditions.
Learn what U.S. savings bonds are, why they’re considered a safe investment, and the unique qualities that separate savings bonds from other long-term savings options.
What Parents Need to Know About Kids’ Savings Accounts
Kids’ savings accounts can help instill financial awareness from a young age and engage kids in managing their money. Learn about setting up kids’ savings accounts.
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How to Find the Routing Number on a Check
The routing number on a check is not difficult to find. Knowing which numbers are which can provide valuable insight into the structure of a check.
With direct deposit, payment can be sent electronically straight into your bank account. See how easy it is to set up direct deposit in our step-by-step guide.
Create a Family Savings Plan That Can Help You Reach Your Goals
Discover the benefits of a family savings plan. Learn steps you can take to achieve your financial goals and foster a culture of saving in your household.
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Discover the benefits of a family savings plan. Learn steps you can take to achieve your financial goals and foster a culture of saving in your household.
The routing number on a check is not difficult to find. Knowing which numbers are which can provide valuable insight into the structure of a check.
With direct deposit, payment can be sent electronically straight into your bank account. See how easy it is to set up direct deposit in our step-by-step guide.
The 50/30/20 budget approach divides monthly income into three buckets to help you right-size your spending today and build savings for tomorrow.
Make saving fun! Learn several fun money-saving challenges to help you save money. Develop healthy financial habits that can help you reach your goals.
Discover the features and benefits of an American Express® High Yield Savings Account, including mobile banking. Learn how to open an account.
The Federal Deposit Insurance Corporation (FDIC) insures consumer deposits in member banks in case they fail. Learn how to check if your deposits are protected.
Checking and savings accounts offer different features and benefits. Checking accounts are for regular transactions, while savings accounts are best for saving.
Automatic Clearing House (ACH) payments and transactions offer some advantages, but they have their downsides as well. See how ACH payments work.
Saving money as a couple can help you both reach financial goals faster, but combining finances can also add hurdles. These tips may help.
If moving is stressful, moving out of state is even more stress! Here’s a checklist for how to move out of state like a pro—and keep costs low.
Managing subscriptions like TV and music streaming apps can help you cut costs – a worthwhile task when these services can amount to hefty monthly bills.
Different types of savings accounts are useful to put money away for different future purposes. Comparing their features can help determine which is best for you.
How much you should save each month depends on your income, expenses, and savings goals. Many financial experts recommend the 50/30/20 budget rule as a good start.
Saving and investing are two different ways to achieve financial goals. Understanding the differences can help you choose the best approach for you.
These seven tips for budgeting money can help move you closer to your financial goals – and may increase your happiness, too.
The effects of zero interest rates from the Federal Reserve mean Americans’ regular savings accounts earn close to zero interest. Here are three higher-interest alternatives.
During inflation, we all need to be smart with where we put our money. These tips can help you be a smart consumer and investor to reduce the burden of inflation.
Average savings account interest rates at brick-and-mortar banks are historically low as of late-2021 – but shopping around can help you find higher rates.
Health Savings Accounts can help you save money on medical costs and be used for long-term tax-free savings – as long as you have a high deductible health plan.
Knowing how to stop spending money and start saving is easier said than done. Learn how to take control of your budget and relationship with money with these tips.
Learn what U.S. savings bonds are, why they’re considered a safe investment, and the unique qualities that separate savings bonds from other long-term savings options.
Savings accounts and money market accounts, while different, can each provide a safe and secure way to earn interest and grow your finances, regardless of market conditions.
Kids’ savings accounts can help instill financial awareness from a young age and engage kids in managing their money. Learn about setting up kids’ savings accounts.
Inherited IRA rules have changed: Now, anyone other than a spouse who inherits money from a 401(k) or IRA must withdraw all the money within 10 years.
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How to Save Money on Food and Grocery Delivery
Food delivery is more in demand than ever, whether for groceries, restaurant orders, or snacks. You can save money on food with these tips on delivery from around the web.
20 Black Friday and Cyber Monday Shopping Tips
Black Friday and Cyber Monday are the most popular shopping events of the year. These holiday shopping tips can help you navigate Black Friday and Cyber Monday safely.
Holiday Shopping Trends: Online Experiences and Mobile Purchases
Explore the latest holiday shopping trends, including immersive digital experiences, increased mobile shopping, and a rise in local support. Happy Holiday Shopping!
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What Is Layaway and How Does It Work?
Layaway can be a good way to finance big purchases, but is it the best option? See how layaway works, its pros and cons, and alternatives to consider.
What Is the Average Tip Percentage?
The standard tip percentage for eating out in the U.S. is 15% to 20%, but this can vary. See factors that can impact how much you should leave for a tip.
Impulse buying can derail even the best budget. See steps you can take to help stop impulse spending and develop healthy financial habits.
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The standard tip percentage for eating out in the U.S. is 15% to 20%, but this can vary. See factors that can impact how much you should leave for a tip.
Layaway can be a good way to finance big purchases, but is it the best option? See how layaway works, its pros and cons, and alternatives to consider.
Impulse buying can derail even the best budget. See steps you can take to help stop impulse spending and develop healthy financial habits.
65% of American families lack a cash buffer
large enough to manage a simultaneous spike
in expenses and dip in income.
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