If you’re reading this because you’re in so much debt you can barely breathe and you’re desperate for a way out, we see you. And know this: There is light at the end of the tunnel. But Chapter 7 bankruptcy is definitely not something to just jump into when the…
SDI Productions/Getty Images Your savings account has a variable interest rate, so your bank can choose to raise or lower that rate at any time. Due to this, the yield you’re currently earning might not be the same as it was last year or even last month. While such rate…
Believe it or not, creating a solid resumé is just as important as prepping for and nailing your job interview. After all, your resumé is your chance to make a strong first impression on the recruiter! But before you get too freaked out, know this: Building the perfect resumé is actually a…
Key takeaways Personal loans are best for one-time, fixed expenses, while personal lines of credit are best for ongoing financing needs or purchases that require flexibility. Both options offer lower average interest rates than credit cards for borrowers with good credit. Repayment terms depend on how much you borrow and…
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Last year, on the day before Tax Day, my mom was scheduled to fly into Philadelphia International Airport to stay…
The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
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We Are/Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways It’s possible to qualify for a loan with a 550 credit score, but interest rates may reach 36% or more. In this current financial climate, lenders are being cautious, often offering smaller loan amounts, shorter terms…
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3. Create a Spending Plan You Can Actually Stick To Call it a budget, a spending plan, or whatever name makes you most…
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For fintech startups, the first five years of the decade have been a roller-coaster ride. At the outset, companies were awash in easy…
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Dealing with IRS penalties and incorrect tax assessments can be frustrating. This is especially true when you believe the charges are unfair or that they resulted from circumstances beyond your control. In these scenarios, Form 843 is the IRS mechanism for requesting relief from penalties, interest and certain tax overcharges. A…
3. Fetch Fetch is about as simple as it gets. You snap a picture of almost any receipt from almost any store and earn points—without having to add offers to your app beforehand. Those points can be redeemed for gift cards to popular retailers and restaurants. While you won’t get…
Insurance Isn’t Like Fine Wine . . . A lot of people treat their insurance policy like a bottle of red that just gets better with age. Spoiler: Insurance doesn’t work like that. Never taking a second look at your insurance policy is a mistake that could cost you.…
One of the best ways to wreck your day . . . is to wreck your car! But scary (and expensive) as collisions can be, there’s more than one way to damage your car—heck, it can get damaged when you’re not even driving it! And when random car damage strikes,…
How long have you been budgeting? One month? One hundred months? So long you don’t remember? If you’re new to budgeting, hear this: It takes about three months to get into the swing of things and feel like this budgeting life is a real routine. But after that, what if…
Just like anything else in life, managing your money when you’re single has its pros and cons. Pros? No money fights (unless you fight the voice inside your head). Cons? A single income with less accountability. But no matter what your pros and cons list looks like, getting ahead with…
The Sun Belt has caught a chill, as some of the nation’s hottest housing markets from a few years ago have cooled substantially. Take Nashville, Tennessee, for instance. In the first six months of 2022, its median listing price skyrocketed 24%, from $453,000 to $561,468. The peak came in July…
REPORT SUMMARY 88% of U.S. adults said high school did not leave them “fully-prepared” for how to handle money in the real world. 3 in 4 U.S. adults said in the years after high school, they “often” (32%) or “sometimes” (42%) felt stress because of money. 72% of U.S. adults…
It seems to be an unwritten rule in life that once you turn 18, you have to get a credit card—as if you magically become a mature adult the moment someone hands you a piece of plastic. (And let’s be real, most adults I know struggle with plastic.) Pay off debt fast…
It’s the end of the month, and you’re out of money—again. It’s a hopeless feeling scrambling to see which bills you can pay late and scrounging around in the pantry for food until your next paycheck. If that’s you, hear this: You aren’t alone. In fact, 78% of Americans live…
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