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The Best Chase Credit Cards (My Personal Review)

I’ve have been a long-time Chase user from their savings, checking and business but I adore their branded credit cards. From personal experience, here are the best Chase Credit Cards.

10 Practical Ways (I've Used) to Save Money on Car Insurance

Over the course of my career I have seen too many people overpaying for car insurance. There are some low-lift ways to save money on your car insurance.

Capital One Quicksilver Secured Cash Rewards Credit Card Review: Earn unlimited 1.5% cash back

The Capital One Quicksilver Secured Cash Rewards Credit Card has unlimited 1,5% cash back and no annual fee, but some restrictions remain to consider.

How to spot credit card skimmers and avoid fraud

Credit Card fraud is a growing problem. Credit card skimmers are one of the main ways thieves target users like you/ Here's what to keep an eye out for.

SoFi Credit Card Review: Earn 2% Back When You Redeem Smartly

The SoFi Credit card may be great if (and only if) you are an avid user of the SoFi ecosystem. Otherwise, its a bit weak in the wallet.

Why the Bilt Credit Card is the Best Thing Since Sliced Bread (Or Not)

The Bilt Credit Card is a renters dream card but there's not much more to it but that.

Preparing Financially for the School Year Ahead

Back to school financial planning can make your school year affordable and eliminate unwanted costs. Here's how you Prepare Financially for the School Year Ahead.

15 Effortless Passive Income Ideas That Won't Break a Sweat

Saving money is great but making more money should be a goal as well. Here are 15 effortless passive income ideas that won't have you breaking a sweat.

Why Is My Car Payment So High?

Why is my car payment so high? This is a common question when faced with purchased any vehicle. Here's the explanation you're searching for.

How to Finance a Car (Without Going Broke or Losing Your Mind)

Buying a car is a love/hate relationship no matter how good your finances are. It's just one of those necessary evils for the majority of America. Here's how to finance a car without going broke or losing your mind.

Credit Card Review Sites and The Lies They Tell

I've spent the better half of a decade working for these personal finance sites. Most of them are dangerously misleading.

Money-Saving Family Travel Tips

Family Vacations are rough and expensive here are my best money-saving travel tips for families.

Venmo Credit Card: High Cash Back But Category Specific

The Venmo Credit Card is a high cash-back card with no annual fee and the potential to earn 3% in your highest category. But there are some catches to know about.

Harbor Freight Credit Card: Benefits and Features

Explore the benefits of the Harbor Freight credit card, including 5% cashback on purchases, 0% interest financing offers, and exclusive discounts. Learn how to apply, manage your account, and make the most of your shopping at Harbor Freight.

How Long to Keep Credit Card Statements: A Comprehensive Guide

How Long should I keep my credit card statement? From my experience you cant go wrong with waiting but throwing them away too soon could be a pain.

40+ Budget-friendly Father's Day Gift Ideas

Budget-friendly Father's Day gift ideas have been on my mind. And for someone who has done this for 29 years, I've learned a thing or two about the best father's day gifts.

Best Credit Cards for Groceries

I have been reviewing credit cards for years, these are the best credit cards for groceries right now.

Robinhood Visa® Card Review

The Robinhood Gold Credit Card has some notable features including cash back and no major fees. The waitlist is open and Robinhood users have a lot to be excited about.

The One-Word Secret to Financial Stability

The secret isn't really a secret at all, in fact, thousands of people have been successful in achieving financial freedom and stability. Here's your first step.

Best Balance Transfer Credit Card April 2024

I have researched hundreds of cards over thousands of data points. This recommendation is based on my research and personal experience. Here is the best credit card for balance transfers.

How To Start A Garden On A Budget

My personal take? Starting a garden on a budget isn't as hard as you might assume. Gardening on a budget can actually be done with little to no money depending on your goals.

10 Secrets Credit Card Companies Don't Want You To Know

Credit card expert provides insight on the top 10 secrets credit card companies don't want you to know.

How To Budget For A Camping Trip

Summer is quickly approaching and if you're worried about the bill for camping we have you covered. Here's how to budget for a family camping trip.

Here’s what you should actually do with your tax refund. Spoiler it's not “investing”.

If I read one more article telling people to "invest their tax refund" - I'm going to explode. This is not the best idea for everyone. Especially with the current economy.

How to Understand Credit Cards When You Grew Up Cash Only

Our experts explain credit cards for all of you who were raised in "cash-only" homes. Let's talk the basics and the key topics of credit cards to know.

How To Build An Emergency Fund On A Low Income

Our Experts weigh in on how to build an emergency fund with low income. Plus 7 ways to get you started.

What is Mortgage Interest? And how does it affect your House Payment

Interest affects any payment it’s applied to whether it’s a mortgage, car loan or other personal loan. Here’s how it’s applied on your home loan.

Why Is Most of My Car Payment Going Towards Interest Instead of Principal?

Ever feel like your paying money to a money pit called your car loan? Well that could be how your payments are structured. Here's Why most of your Car Payments are Going Towards Interest Instead of Principal.

Zero-Based Budgeting (ZBB): What it is and How it Works

There are different styles of budgeting and zero-based budgeting is one to be considered. Let's look at what it entails.

Mastering Loud Budgeting in 2024: A 'Get-it-Done' Guide to Maximizing Your Financial Goals

Loud budgeting is here and we're right here with it. Let's talk about this new trend and how to maximize it for a full financial overhaul.

6 Tax Deductions for Parents

Tax season is officially underway and parents both new and old need those credits and deductions. Here are 6 you need to keep in mind as a parent.

Doing this one thing saved me over $10,000 in college

College is pricey, but doing this one thing saved me over $10,000 on college tuition expenses.

The 7 Habits to Achieving Financial Greatness in 2024

These are the 7 habits that helped me double my income, lose weight from having a baby, raise my credit and pay off thousands in debt. These are the gold standard.

How Are Annuities Given Favorable Tax Treatment?

Annuities, contracts between you and an insurance company, can provide a steady income in retirement. They offer tax-deferred growth as well as security through fixed income. It's crucial to understand tax implications, withdrawal rules, and potential penalties.

An Easy to Read Beginners Guide to Student Loans

As someone who has paid off private and federal student loans, I'm giving you my expert advice. Here's all the types of student loans to know with examples and tips.

The 2024 Ultimate Bi-weekly Savings Plan For Low Income

Keeping it simple with this biweekly savings plan for low income earners. See how to create a savings plan of your own with our digital planner and printables.

Easy Financial Spring Cleaning Checklist

Time to dust off your personal finances for the new year. Here is an easy to follow financial spring cleaning checklist.

Escape the Debt Spiral: How to Get Rid of Credit Card Debt

Struggling with credit card debt? Learn about various methods to tackle it, including balance transfer credit cards, consolidation loans, and debt relief options like bankruptcy or debt management plans. Explore the pros and cons of each method to find what works for you.

High Credit Card Debt: Survey Reveals Disturbing Trend Among Americans

High-interest rates, mass layoffs, and inflation brew trouble for the average American. Let's look at this perfect storm and what the numbers show.

Saving Your Wallet and Waistline: 7 Tips to Eating Healthy on a Budget

Eating healthy on a budget is possible! Shop in bulk, try plant-based proteins, reduce waste, and experiment with leftovers. With a bit of planning, you can enjoy nutritious meals without overspending. Give it a try and save money while still eating well!

How to Budget Money for Beginners: The 6-Step Plan

Budgeting money isn't a secret but there is a secret to being successful at it- discipline. Here is a six-step plan to make it happen.

How to Avoid the 'Singles Tax' and Build Your Wealth Solo

"The Singles Tax" is a significant issue affecting unmarried individuals, particularly women, who face higher taxes and fewer tax benefits compared to their married counterparts.

How to Use Home Equity to Build Wealth

Home equity, the difference between your home's market value and outstanding mortgage, is a potent asset for building wealth. Using home equity wisely provides benefits such as tax advantages, lower interest rates, portfolio diversification, and funding for home improvements.

2024 Cash Envelope System to be A Saving Success

Time to stuff it-with cash. Here is our guide to the cash envelope system in 2024 for better savings and a debt free year.

2024 Budget Binder + Free Printables

Looking to start off 2024 with some accountability? Print our free budget binder and start the new year off right with getting your finances in order.

How to Save Money When You Live Paycheck to Paycheck

Living paycheck to paycheck can be daunting, but it's possible to save money and pave a stable financial path. Dive deep into understanding your finances, setting clear goals, crafting a realistic budget, and adopting money-saving habits.

What Is Owner Financing? Exploring the Benefits and Risks

Owner financing is a unique real estate method where the seller acts as the lender. It offers flexibility for buyers who may not qualify for traditional loans and can expedite sales for sellers. Understanding its benefits, risks, and legalities is essential for informed decisions.

What Is Seller Financing? An Overview of This Popular Option

Seller financing is a unique real estate financing method where the seller acts as the lender, allowing the buyer to make payments directly to them instead of a traditional bank. This flexibility offers an alternative to conventional loans, especially for those with credit issues.

The Politics of Pregnancy: New Legislation Fuels Debate

Pregnancy and parenthood are getting shaken up by Washington. New legislation is bringing in some much-needed support for mothers and expectant parents.

What Increases Your Total Loan Balance: A Comprehensive Guide

Loans are much more than principal payments. They are fees, interest, and more. Let's look at what exactly increases your total loan balance.

Student Loan Forgiveness Explained + 11 Student Loan Forgiveness Options

Discover what the Supreme Court's decision means for you: student loan forgiveness explained. Learn more about your options and next steps.

Understanding the Student Loan Forgiveness Block

Supreme Court rejects Biden's student loan forgiveness. Understand the impact and alternatives after the student loan block before your payments resume in October.

Caught in the Student Loan Storm? Here’s Your Lifesaver

Worrying about your student loan payments? Here are the options you have come October and beyond.

Why Getting a Big Tax Refund is a Huge Rip Off

Unveiling the illusion of large tax refunds, this article highlights why it's a financial pitfall to overpay taxes and await a big windfall. Discover the hidden costs of big refunds, understand better tax management strategies, and learn how to maximize your income year-round.

The Making of Self-Made: Why it's Now Safer Betting on Yourself Than to Trust Your Employer

In an era of dwindling job security, betting on yourself and embracing self-employment emerges as the safer path. Being self-made isn't just about financial success; it's about aligning your life with your values, leveraging technology, and unlocking your potential.

Secure Your Financial Future WithU Loans

Secure your financial future with WithU Loans. This reliable lending partner provides personalized loan solutions, helping you build a strong financial foundation. By prioritizing effective financial planning and preparing for unexpected life events, you can achieve financial security.

Understanding Spot Loans: What You Need to Know

Spot loans offer quick cash using an asset as collateral. Ideal for urgent expenses like home renovations or medical bills, these loans are more accessible, especially for those with poor credit. However, high interest rates and potential loss of collateral if you default must be considered.

Discover the Benefits of Commercial Loan Truerate Services

Commercial loan truerate services revolutionize lending by providing accurate, transparent loan pricing using advanced algorithms. They enable businesses to make informed decisions, streamline applications, improve borrower-lender relations, and help lenders manage portfolios.

Biden's Plan to Help Students Manage Student Loan Debt

Student loan debt has skyrocketed to $1.6 trillion, affecting over 44 million borrowers, who on average owe $37,000 each. Here's President Biden's plan of action.

Discover the Key Components of Successful Budgeting

Explore the critical components of successful budgeting, from understanding its significance to setting realistic goals. This article delves into categorizing expenses, creating a comprehensive plan, and regularly adjusting your budget, aiding you in achieving financial stability.

How Does Inflation Affect the Stock Market?

Inflation has a significant impact on the stock market. It leads to increased costs and decreased demand. To navigate these dynamics successfully, investors should diversify their portfolios, consider investing in inflation-protected securities, and explore dividend-paying stocks.

Is the Stock Market Rigged? An Investigation into the Truth Behind the Allegations

Is the Stock Market Rigged? We dissect persistent claims of market manipulation, diving into high-frequency trading, insider trading, dark pools, and private exchanges. As we unravel the complex tapestry of these financial machinations, we seek to understand their impact on the market's integrity.

What Is a Point in the Stock Market? Exploring the Basics of Stock Market Points

Stock market points offer a standardized metric to track performance changes in individual stocks or market indices. This understanding becomes a fundamental tool in the hands of investors, enabling them to make informed decisions. However, their interpretation depends on multiple factors.

What is Spacial Computing? Definition, Facts, and Evolution

Apple's new VR toy, The Vision Pro, is stirring up major headlines. Bu taking it back to basics, what is spacial computing anyways? Here are the details.

Apple Vision Pro Review: Release Date, Details, and More

Apple Vision Pro has just been announced. And we're pretty excited. Here's the insight on price, specs, and when it will be available to the public.

The Balancing Act of the Debt Ceiling: No Acrobatics Here, Just Facts

Uncle Sam's piggy bank is on empty, but a tentative deal to raise the US debt ceiling aims to dodge a default. The plan? Hit pause on the $31.4 trillion borrowing limit for two years, sidestepping the issue until post-election. Can lawmakers perform this financial acrobatic act? Stay tuned!

What Happens to the Stock Market During a Recession?

Recessions signify economic decline, impacting the stock market. Each market sector responds differently, with some suffering and others faring better. Government interventions can help stimulate the economy during these challenging periods.

Can I File Bankruptcy and Keep My Car?

Filing bankruptcy doesn't mean losing your car. Understand exemptions, negotiate with lenders, or choose Chapter 13 bankruptcy to keep your vehicle and manage debts. Consult an attorney for guidance.

Understanding the Difference Between an Indexed Annuity and a Fixed Annuity

Understanding the Difference Between an Indexed Annuity and a Fixed Annuity can present its own set of nuances. Here's how to decipher them.

Unlocking the Mystery: What Exactly is 'Rich Money'?

Looking to build generational wealth and get to the "Rich Money" level. The formula is simple. Here are the details.

What Is a Registered Financial Consultant?

A Registered Financial Consultant (RFC) is a financial advisor who has demonstrated high levels of training, experience, and commitment to their client's financial wellbeing.

How to Delete an Excel Spreadsheet: A Step-by-Step Guide

Learn how to delete an Excel spreadsheet with ease using our step-by-step guide. Say goodbye to cluttered workbooks and free up space for new projects.

How to Make Passive Income on Amazon: A Step-by-Step Guide

Seeking passive income? Discover Amazon's opportunities, from selling products to affiliate marketing. Learn to set up an Amazon account, understand its fees, and choose a suitable platform. Finding profitable niches and sourcing products effectively could yield steady income.

What Is the Insurance Distribution Directive?

What Is the Insurance Distribution Directive? Between regulation, the IDD and sales there's a ton to cover. We have the details here.

Who Pays for Bankruptcies? An Overview of the Financial Implications

Bankruptcy comes in many forms and can be a way to mitigate your financial woes if it comes to that. Here's the details on who pays for bankruptcy.

Understanding Debt Certificates and How They Can Benefit an Investor

Ignite your portfolio with debt certificates! Diversify, earn steady income, and mitigate risk. Explore treasury bills, CDs, municipal bonds, and corporate bonds. As always, seek expert guidance for informed investments and to maximize your portfolio's potential.

What Disqualifies You from Long-Term Care Insurance?

In your golden years, long-term care insurance is invaluable, but What Disqualifies You from Long-Term Care Insurance? Here are the details on the subject.

How Many Jobs Are Available in Finance Consumer Services?

Finance consumer services is a hot field and it's in high demand as well. The question is How Many Jobs Are Available in Finance Consumer Services? Let's discuss

How to Get Insurance to Pay for Roof Replacement

Help! I Need a new roof, but how do I get insurance to pay for roof replacement? Let's walk you through the process.

Is Finance Consumer Services a Good Career Path? Exploring the Pros and Cons

Considering a career in finance consumer services? This read is a must! Discover the pros and cons of this competitive industry, essential skills for success, and potential benefits and drawbacks to make an informed decision about your career path.

How to Create a Budget in Excel Like a Pro

The data powerhouse Excel is the perfect spot to build and track your budget. But so many people ask "How can I create a budget in Excel?" We've done it for you.

Takeaways from America's History of Financial Crises: Lessons for a More Resilient Future

Embark on a journey through America's history of financial crises, exploring the role of speculation, banking regulation, government intervention, and more. Learn the valuable lessons these events have taught us and how they can help shape a more resilient financial future.

Demystifying the Term Principal: The Backbone of Your Financial Success

Loans and investments are broken down into principal and interest. Let's discuss exactly what is referred to as "principal" and mitigate any confusion.

Laughing To The Bank: An Amusing Outlook on Recent Banking Blunders

The first Quarter of 2023 has just barely wrapped and it's already been packed. Here's where the current state of banking stands following the recent blunders. Let's all laugh together.

The Ultimate Guide to Successful Budgeting: Unlocking the 6 Key Components

What are some of the key components of successful budgeting? Here is the 6 you need to know and how to unlock them all.

The Problem with Apple Banking Products

You know them for the legendary iPod, Mac, and iPhone. But Apple is breaking new ground now with the offering of banking products through Goldman Sachs. Here's the low down.

Understanding How Snap Finance Works

If you're looking for a financing option that's quick and easy, Snap Finance might be the solution for you.

Does Financing a Phone Build Credit? 📱💳

There are so many ways to help (and hurt) your credit. Financing a cell phone is one of them. Here is how you can use financing to build your credit.

Why Fixed-Rate Annuities Deserve a Spot in Your Fee-Based Portfolio (Despite What Those Know-It-Alls Say)

Multi-year guaranteed annuities for the uninitiated can be a nice addition to your portfolio. In fact, they could be your secret to retirement success.

The Ultimate Guide: How Long Can You Finance a Boat

How long can you finance a boat? Boat ownership is a big deal but there are questions when it comes to financing.

The Plastic Predicament: A Closer Look at Using Credit Cards for Monthly Bills

Are you debating whether to use a credit card to pay for monthly bills? While rewards and convenience may seem tempting, high-interest rates and the risk of overspending could outweigh the benefits. So, is it worth it? Let's take a closer look.

Why is Budgeting Important?

Why is budgeting important? Budgeting is a key ingredient to financial success. Here's why.

Credit Card Shopping: Don't Get Scammed - Get the Facts

Discover the truth about credit card shopping. Avoid scams and pitfalls, and find the best credit card for your needs with expert advice and strategies.

Morningstar's Guide to Investing Like Warren Buffett

We look at Morningstar's guide to Warren Buffett's five principles of investing.

Pre-Owned Luxury Watches Give S&P 500 a Run for Its Money

Pre-owned luxury watches have outperformed the S&P 500, with some top Swiss brands appreciating by an average of 20% a year. While stocks still outperform watches over a longer period, luxury watches could be an alternative asset class for diversification and a hedge against inflation.

Money in the Bank: How the FDIC Keeps Your Deposits Safe

Is your investment portfolio FDIC-insured? Don't be so sure! While bank deposits are protected, investment products like crypto assets and life insurance policies won't be covered. Learn what won't be there to catch you if you fall.

Rising Interest Rates and Silicon Valley Bank Collapse: What it Means for Average Americans

Salt & Pepper Finance examines the fallout from Silicon Valley Bank's collapse and the impact of rising interest rates on average Americans.

Silicon Valley Bank Collapse: Could it Shake Depositor Confidence in the Banking System?

Silicon Valley Bank recently collapsed due to taking on too many deposits and being caught by rising interest rates. The collapse has raised concerns about depositor confidence in the banking system. But fear not, there are measures in place to prevent panic and maintain stability. Here's how.

Babies and Budgets: How to Manage the Unexpected Expenses of Parenthood

Juggling a family and maintaining a budget is a close comparison to having superpowers. But where does this outrageous cost stem from? Here's the breakdown.

Time to Pivot: Why It's Not Enough to Invest in Stocks Anymore

Get ready to learn how to slash equities market downside risk, get creative with your investments, and discover the best ways to achieve financial success in this new era of investing. Trust us, your future self will thank you!

Healthcare Planning: How to Protect Yourself from the Ultimate Price Tag in Retirement

Many Americans believe that Medicare is a simple, universal coverage, healthcare program for retirees. But that's far from the truth.

Baby Bonds: A Creative Way to Tackle America's Racial Wealth Gap

Baby bonds are turning into a creative option for further closing the racial wealth gap. But is it creating more problems than it's solving? Let's discuss.

Unlock the Power of Your Money: You Could be Earning 20 Times More Interest Right Now!

Want to grow your savings with low risk? CDs offer higher interest rates than savings accounts & are FDIC-insured. Committing your cash for a set period of time is required, but it can be helpful for big goals like a down payment or retirement. Beware of penalty fees for early withdrawal!

Warren Buffet's Descreit Portfolio And Its Top 10 Stock Holdings Worth Nearly $6 Billion

Take a closer look at Warren Buffett's under-the-radar $6 billion stock portfolio managed by NEAM. Discover the top 10 holdings and key takeaways for successful investing.

Even Millionaires Are Sweating Retirement: Survey Finds 1 in 3 Believe It'll Take a Miracle

Protecting wealth is crucial in the current volatile financial climate. Market swings and inflation can erode nest eggs, making it important to stay vigilant and seek expert advice. Make smart choices to secure your financial future.

We Looked At The 13+ Million Tax Refunds Already Issued - Here's The Average Payout For 2023

Americans are slowly getting their refunds and the big question is "What gives?". From the 13 Million refunds issued, here's the average.

She Put Her Entire Bonus into Her 401(k) - She's Begging you Not to Make The Same Mistake

Ever made a big financial "no-no"? We all have but some are far easier to undo than others. Here's one story that you can definitely learn from.

Don't be Fooled, There's Another Reason Why Big Credit Card Issuers are Giving Generous Rewards (Hint: it's not for their users)

Credit card issuers are not as generous as they may seem. There’s a good reason why they rope you in with bonus’s and it’s not for your benefit.

Car Subscriptions? Crazy or Not Here's Why you Might Consider it as an Option

We’ve all heard of buying, leasing and renting, but now there’s another way to get into a vehicle - car subscriptions. Here’s the details.

Unclaimed Retirement Accounts are Amounting to Trillions Lost: Here's How to Find and Claim Yours

There's trillions in retirement savings being left behind by Americans. Are you one of them?

From Wedding Bells to Tax Bills: How the Marriage Tax Penalty Could Impact You

Commonly known as the marriage tax penalty, this unfortunate consequence of tying the knot (and the IRS) can turn your financial happily ever after into a real-life nightmare.