Now Playing
My Magic 94.9
Last Song Played
Tampa Bay's Best Music
On Air
No Program
Now Playing
My Magic 94.9
Last Song Played
Tampa Bay's Best Music

personal finance

200 items
Results 21 - 30 of 200 < previous next >

Outgrown a Student Credit Card? Here Are 5 Worthy Upgrades for New Grads

Thanks to student credit cards, secured credit cards and a little something called “the authorized user,” plenty of college seniors will be graduating with some credit. And, if you’re one of them (you can check via your free credit report summary on Credit.com) you might want to consider a plastic upgrade.

Starter credit cards are great for building credit, but they don’t usually tout the best terms and even if there’s a $0 annual fee or base rewards program, that plastic likely carries a low credit limit — which might not help in case of an emergency or if you want to further boost your credit. (Remember, a low limit makes it harder to maintain a solid credit utilization rate — how much debt you’re carrying versus how much credit is available to you. For best scoring results, you’ll want to keep your charges below at least 30% and ideally 10% of your total credit limit.)

If you’ve outgrown your starter credit card, or think you’re about to, here are five credit cards worthy of your consideration.

1. Discover it — 18-Month Balance Transfer

Purchase APR: Variable 11.74% to 23.74%, depending on your credit

Annual Fee:  $0

Why You’ll Want to Consider it: Because the Discover it is a solid rewards credit card with some built-in training wheels. Cardholders get 6-months of 0% financing on purchases and a full 18-months 0% financing on balance transfers (the annual percentage rate after that will be a variable 11.74% to 23.74%, depending on your credit). There’s also no late fee for a first missed payment (which you should still avoid at all costs) and no penalty APR.

Plus, if you use your card right, you’ll earn some serious rewards. The Discover it offers 5% cash back on up to $1,500 in purchases in revolving bonus categories each quarter and 1% cash back everywhere else — plus, Discover will match all the cash back you earn at the end of your first year. And there’s an added bonus for new grads getting ready to move out of their parents’ house: Now through June, you can get 5% cash back on up to $1,500 in purchases at home improvement stores.

2. The Citi Double Cash Card

Purchase APR: Variable 14.24% to 24.24%, depending on your credit

Annual Fee: $0

Why You’ll Want to Consider it: Rewards credit cards can be tricky. Points, miles and cash back are nice, but they can easily entice someone to overspend. Charge more than you can pay off each month and any interest you pay on the balance will wind up eating those rewards — and then some. But here’s the thing about the Citi Double Cash Card: It rewards you for paying the bills. Cardholders earn 1% cash back on purchases, then another 1% back when they pay that purchase off. That means you can earn a full 2% cash back on every dollar you spend, which is pretty tops for a cash back credit card, especially since there’s no annual fee. There’s also a 0% introductory APR for balance transfers for your first 18 months. (You’ll pay a variable 14.24% to 24.24% after that.)

3. Capital One QuicksilverOne Cash Rewards Credit Card

Purchase APR: Variable 24.99%

Annual Fee: $39

Why You’ll Want to Consider it: Available to people with average credit, the QuicksilverOne is a solid alternative for any new grad who had a credit misstep (or two) while they were in school. Yes, you’ll pay an annual fee ($39) and its 24.99% APR will sting if you wind up carrying a balance (expert intel: avoid carrying a balance), but you’ll earn an unlimited 1.5% cash back on all your purchases. You’ll also have access to a higher credit limit after making your first monthly payments on time and receive a few ancillary benefits that’ll come in handy if you need to purchase some stuff for your first apartment. Those bennies include an extended warranty that doubles the original manufacturer warranty up to a maximum of 12 months on most purchases and price protection that reimburses you the difference in price on eligible items charged to the card if you find a lower price for the same item within 60 days of purchase (see card agreement for full details.)

Plus, if you use the card responsibly, you may be able to upgrade to the QuicksilverOne’s no-annual-fee big brother: the Capital One Quicksilver Cash Rewards Credit Card — which we’ve got a full review of right here.

4. Barclaycard Ring Card

Purchase APR: Variable 13.74%

Annual Fee: $0

Why You’ll Want to Consider it: If you’re worried about overspending for rewards, are looking for an in-case-of-emergency card or you need to make a big purchase soon that you might not be able to pay off right away, the no-frills, low-cost Barclaycard Ring Card will probably fit right into your wallet. There’s no annual fee, no foreign transaction fees and no balance transfer fee. Plus, the card comes with a 15-month 0% introductory APR on purchases and balance transfers made within 45 days of account opening — after which, you’ll pay a reasonable variable 13.74%. So, if you need to pick up a few necessities for your first apartment, this is the kind of card you’ll want to put those on. Not to mention the Barclaycard Ring lets cardholders drive: You’ll be invited to share your opinions and vote on product changes in Barclaycard Ring’s online community.

5. Citi Costco Anywhere Visa

Purchase APR: Variable 15.99%

Annual Fee: Technically $0, but you’ll need a Costco membership to apply — and that’ll cost you at least $55

Why You’ll Want to Consider it: Because the card offers big-time rewards on all the stuff you’ll be purchasing once you leave the nest. That includes 4% cash back on eligible gas for the first $7,000 per year (then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on Costco and Costco.com purchases and 1% cash back everywhere else. Plus, there’s a 7-month 0% introductory purchase APR (after that, your APR will be a variable 15.99%). Of course, only Costco fans should apply: While the rewards are plentiful, they’re issued as an annual credit card reward certificate on February billing statements and are redeemable for cash or merchandise at U.S. Costco stores.

Remember, no matter what credit card you choose, smart spending habits should apply. Sign up for alerts or set your bill to auto-pay so you never miss a payment, keep your balances low (or, ideally, pay them off in full) and avoid signing up for every credit card on the market that catches your eye — too many inquiries can damage your credit standing.

In the meantime, if you’re also looking for some new digs, we’ve got a rundown on the 19 mistakes college grads tend to make when looking for their first apartment that you’ll want to read. 

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Related Articles

This article originally appeared on Credit.com.

8 Money Moves to Make Before Baby Arrives

If you’re expecting a child, probably the last thing you need is another to-do list, but hear us out. Preparing yourself financially for a baby involves a slew of things. And, while we wouldn’t pretend to know what that means for each individual who is expecting, there definitely are a few major things that, if you can check them off your list before your baby comes, will make things a bit easier when the baby arrives.

Here are eight money moves an expectant parent should consider making.

1. Create the Perfect Registry

It might seem trivial to include this in a list of important financial things to do before your baby arrives, but trust me. Creating a registry full of items you’ll actually use and need, rather than items you just covet, will help in the long run. Don’t be afraid to put big-ticket items on there since many baby stores offer completion discounts on items that don’t get purchased.

2. Update Your Budget

This’ll probably elicit a big, fat “duh” from many would-be parents, but it’s worth a gentle reminder. Until you crunch some numbers, you have no idea how much baby might cost in those first few months, and that ominous “babies are so expensive!” catchphrase might play itself over and over in your mind. If you sit down and look at your budget, you could be pleasantly surprised.

In my case, looking at our preliminary budget for baby included making sure I had enough in savings (outside of our emergency fund) to cover maternity leave, since, as a freelancer, if I don’t work, I don’t make money. It also included researching what child care costs in our area and factoring that into our monthly fees after I went back to work. After that, we estimated some extra expenses for diapers and wipes. The surprising part came when we realized that, because of the generosity of others (see above regarding the perfect registry), we barely needed anything for the nursery or any clothes for our child’s first few months — and believe me when I say that was helpful.

3. Figure Out Your Kid’s Health Care

As much as this should be part of your regular budget, it deserves its own bullet point. If you haven’t already, you and your partner (if you have one) should figure out where health coverage for your child will come from. You’ll also need to consider how you’ll pay for immediate deductibles since you won’t be the only one to come out of your delivery with hospital bills. Your baby will have some, as well. Also, consider co-pays for the many doctor visitors your baby will make in the first few months. (Remember, unpaid medical bills can wind up hurting your credit. You can view two of your credit scores for free on Credit.com.)

4. Start Thinking About Work

If you’re certain you want to go back to work, skip ahead to No. 5. If you’re less sure, think about what life as a stay-at-home parent might look like — both financially and emotionally — before baby comes. Once you’ve put together a new estimated budget and thought about how to provide your kid with health care, you might have a better idea of whether staying home with your kid is feasible.

5. Create a Will & Name a Guardian (or Guardians)

As uncomfortable a thought as it might be, it’s smart to put together a will and name a guardian for your child as soon as possible. Remember, you can always name two separate types of guardians — one who will physically watch over your child and one who will be in charge of their finances — if that’s better for your particular situation. You can find a primer on estate planning here.

6. Apply for Life Insurance

Getting a life insurance policy is right up there with creating a will when it comes to unsavory topics, but again, it’s the responsible thing to do. A life insurance policy will ensure your child is taken care of financially should something happen to you, and the peace of mind that provides can be valuable.

7. Start Thinking About College

Even if you don’t set up a college savings account before your baby is born, it helps to start considering if, and how much, you’ll pay towards your child’s college education. Remember, saving for your kid for college should never detract from your own retirement savings — after all, loans are available for college, but not for retirement. If you’re not sure where to start when it comes to considering your kid’s college plans, check out this piece about whether or not a 529 might be right for you.

8. Make a List of Things You’ll Need to Do After Baby Is Born

There are a few important financial things you won’t be able to take care of until after your baby is born because you’ll need things like the birthdate and Social Security number. It’s a good idea to make that list prior to your baby’s arrival, though, since things afterwards can get hectic (and sleepy). Updating your beneficiaries, for example, is something you’ll likely want to include.

This story is an Op/Ed contribution to Credit.com and does not necessarily represent the views of the company or its partners.

Related Articles

This article originally appeared on Credit.com.

10 Biggest Scams Of The Year

MoneyTips

It all looks so obvious in hindsight. Make a $500 deposit and your money will grow 18% in 10 days. You can receive a $1,500 loan by MoneyGram if you pay $170 for fees and insurance. A driveway sealer happens to be driving by and offers to coat your driveway for a low price. You deposit a check and are requested to send a portion of it back by wire transfer. Eventually, after you realize you've been had, you say to yourself, "What was I thinking?" It's easy to let your guard down and be caught by the above scams, all of which were reported by real victims in the Better Business Bureau (BBB) Scam Tracker Risk Report. BBB uses a "Scam Risk Index" to calculate the top ten most risky scams. The index combines the exposure to a scam, susceptibility to a scam, and the monetary risk involved. The top 5 2016 scams in order are: home improvement scams fake check/money orders fake employment online purchases fra...

State Of Credit 2016 (Infographic)

MoneyTips

How does your credit score measure up? According to Experian, the average credit score is 673, up 4 points from 2015 to last year. The infographic above shows the highlights of Experian’s latest report, including a comparison of the average credit profiles for each generation, and a list of the cities with the best and the worst credit scores in the nation. See where you rank; you can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. To learn more about credit, download our free eBook, Give yourself Credit.

Best Money-Saving Tips From Travel Agents

Follow these helpful tips from travel agents.

15 Ways to Save at PetSmart

Pet owners are sure to have their local PetSmart store in heavy rotation on their errands run. If you find yourself consistently walking out of the pet goods store having spent way more money than you expected to on Fido or Mr. Bigglesworth, you could probably stand to use some of these cost-cutting tricks before your next outing.

Here are 15 ways to save at PetSmart.

1. Sign Up for Auto Ship

Customers who sign up for PetSmart’s auto ship program can have products delivered to their home at the frequency of their choosing. Items in these orders ship for free, plus they save 20% on their initial order and 5% on all recurring orders.

2. Apply for the PetPerks Rewards Program

Sign up for PetSmart’s PetPerks Rewards program and you’ll receive discounts on your in-store purchases, as well as coupons sent to you in the mail.

3. Use a Rewards Credit Card

That way, you’ll at least earn rewards on the stuff you’re buying your furbaby.  PetSmart doesn’t offer a store-branded credit card, but there are plenty of solid cash back credit cards out there that’ll help maximize your spending.

Just be sure you pay your balances off in full. Otherwise, this strategy won’t work as planned — your rewards will just get lost to interest. (You can see how your credit card balances are affecting your credit by viewing your free credit report snapshot on Credit.com.)

4. Shop the Sales

Always check out the sales section of the site to see if your pet’s favorite items are being offered at a discount.

5. Check Out the Generic Pharmacy Options

PetSmart makes shopping for your pet’s medical needs easy through their pharmacy, but you’ll save even more by shopping the generic section of the site. (Be sure to consult with your vet before doing so.)

6. Cash In on Your Pet’s Birthday

As part of PetSmart’s PetPerks program, you’ll receive a coupon for a free treat on your pet’s birthday — be sure to use it before it expires!

7. Catch the Friends & Family Event

Check back every June for PetSmart’s big Friends & Family event to cash in on extra savings.

8. Find Promo Codes & Printable Coupons Available Online

Use sites like Groupon, Coupon Cabin, Retail Me Not and Coupon4all to score extra promo codes for online shopping or printable coupons to take into the store.

9. Try Booking Grooming Sessions During Off Hours 

PetSmart often runs specials on their grooming services when you book at off-peak times. Check their grooming section regularly for these offers or ask in the store.

10. Click Through to Their Local Ad

Occasionally PetSmart will offer special promotions through their local ad, which they also post online. Be sure to check the link frequently for posted deals.

11. Search for Manufacturer’s Coupons

PetSmart will accept these as well, so be sure to bring them with you when you shop.

12. Bring in a Competitor Coupon

PetSmart will accept competitor coupons on the same products, as long as they follow this criteria.

13. Use Social Media

PetSmart often posts its most recent deals on Facebook and Twitter, so be sure to follow them.

14. Buy Discounted Gift Cards 

Check out sites like Gift Card Granny to purchase PetSmart gift cards at discounted prices.

15. Read Your Receipt 

PetSmart will often print coupons at the bottom of your in-store receipts, so be sure to read them before you throw them out.

Love brand hacks? Well, we’ve got plenty more of them. You can find a full 19 ways to save at Target right here

Related Articles

This article originally appeared on Credit.com.

Want More Memes for Less Money? Here's 9 Ways to Lower Your Internet Bill

The internet is a mainstay of modern life that has transformed the way we work, play and experience the world. But just like “traditional” media such as cable television, internet access can come at a high monthly cost. (You can’t get all the cat memes you want for nothing, you know.)

Still, you may be paying more than necessary for internet access and there are many ways to slash the cost. Here are nine ways to hack your way to a lower monthly internet bill.

1. Bundle Services

Many internet service providers (ISPs) will bundle services such as phone and TV, which can lower the cost of each individual service. Bundling services may not cut costs if you have no need for cable TV or a landline, but if you do, find out what bundles your ISP offers.

2. Apply for a Subsidy

There are several government and ISP subsidy programs that serve to close the “digital divide” — the disproportional burden placed on low-income families that need internet. You may qualify for many subsidized internet programs if you meet certain eligibility requirements, which may include your state of residence and income.

For example, the federal Lifeline program (which is still in effect despite recent rollbacks) provides qualifying households a $9.25 monthly credit for internet. There are other programs available as well, and a site like non-profit EveryoneOn can help connect you with low-cost internet offers.

3. Negotiate Your Plan

In many regions, ISPs have stiff competition. They may be willing to negotiate to keep you as a customer. You can call your ISP to tell them your bill is too high and you’re considering switching. It may help to have competing offers available for extra leverage, and a long history of timely payments can also bolster your bargaining power.

4. Improve Your Credit 

One way to get better offers — boost your credit score. ISPs are known to pull credit and to offer less favorable terms to prospective customers with poor scores. You can see where your credit stands by viewing your free credit report summary on Credit.com and you can go here to learn what you can do generally to improve your standing. (You can get started by paying down high credit card balances, disputing errors on your credit report and limiting new credit inquires.)

5. Purchase Your Own Router

Many ISPs will install their routers in your home and charge you a monthly rental fee for the length of your contract. But router rental fees can quickly eclipse the cost of buying your own router, which you can then use for years.

Note: You may have to install your router yourself and you’ll want to make sure you get one that works with your ISP.

6. Downgrade Your Internet Speed

The faster your internet, the more you’ll pay. But you may be paying for internet speeds that exceed your requirements. If you only use the internet to check email and pay bills, you won’t need the same speed as someone who’s constantly streaming videos or uploading content. You can call your ISP and ask for the budget plan or describe your normal internet usage and see if they can recommend a downgrade.

7. Check Competing Offers

Pay close attention to any competing offers from other ISPs. Unless you’re unusually loyal to your companies, you should feel no obligation to stay with a more expensive provider. Feel free to switch to a competitor if the price is right.

8. Take Advantage of New Customer Promotions

ISPs often save their best promotions and deals for new customers — which, again, is why it can pay to shop around.

9. Use a Mobile Hotspot

If you’re desperate to save and don’t have excessive internet requirements at home, a mobile hotspot could do the trick. A mobile hotspot is a physical device (such as a smartphone or USB stick) that shares Wi-Fi with other devices, including computers, tablets and other phones. These devices usually come with low monthly data caps, so if you’re constantly downloading or streaming content, a hotspot probably isn’t the best option.

But if you have don’t have heavy online requirements, a hotspot could do the trick. You’ll have to buy the device, but monthly costs are comparatively cheap and can save you big money in the long run.

Looking to save on other monthly payments? We’ve got 11 ways to lower your water bill right here

Related Articles

This article originally appeared on Credit.com.

Help! We Don't Have Enough Savings to Pay for College

Q. What’s the best way to pay for college? We won’t get much financial aid and I think it will cost about $30,000 a year. We only have $40,000 saved. We have equity in our home, 401K plans, Roths and our son can take student loans. Help! — Mom

A. There is no one best way to pay for college, but we want to give you some options to consider.

Like a lot of people, you might be surprised by how much of the bill won’t be covered by aid.

The first option to look at is scholarships, said Lisa McKnight, a certified financial planner with Lassus Wherley in New Providence, New Jersey.

Free money is the best money, she said.

“Consider schools where you child stands out academically for your best bet at scholarship offers,” she said. “You should also consider the many scholarships found within your local community.”

McKnight said high schools typically have resources for students to help them find scholarships. One other resource is The College Board, which has an extensive database of scholarships.

Next, your student should investigate work/study programs or working during school, McKnight said.

“Student employment via a federal work/study program, or even part-time work outside of a work/ study, is a great way to have the student help finance their education,” McKnight said. “It’s important to balance working with academics, so you will need to determine if you’re student is someone who can make both work.”

You won’t necessarily have to make a whopper payment for tuition. While universities will bill for each semester, it seems that coming up with a full semester’s payment all at once would be tough.

But, most schools offer payment plans that allow you to stretch payments out over the course of 10 months or a year, McKnight said.

Next, you’ll probably need to consider loans.

“Even parents who could afford to pay for college out-of-pocket may choose to make student loans part of their college payment strategy in order to avoid asset liquidation or to give their child some responsibility for his or her own education,” McKnight said.

You’ll need to see what federal loans you and your child are eligible for. Be sure to look at Direct Subsidized and Unsubsidized Loans and Direct Parent Plus Loans. You can find private loans too, but these often require a co-signer.

In looking at home equity, there are pros and cons here.

“It may be cheaper and easier to secure then a federal loan, it has fewer restrictions, and is tax-deductible,” McKnight said. “However, there are some significant cons — primarily home equity loan debt is secured by your home, giving the lender a legal claim to your home in the event of default.”

This becomes a secured debt backed by your home, McKnight said, and you’re basically putting your home on the line and you are trading a hard asset (your home) for a soft asset (education).

You said you have Roth IRAs, and you can withdraw from your Roth IRA contributions at any time without penalty or tax for any reason, McKnight said. You can also withdraw earnings without the 10% penalty if they’ll be used to pay for qualified education expenses.

Your 401K should be your absolute last resort.

The drawbacks are many.

If you withdraw funds before you are 59 1/2 years old, you may owe a 10% premature distribution penalty and taxes on the withdrawal, she said.

Plus, frequent dips into your 401K will reduce balances and the benefits of compounding and tax deferral, and ultimately the overall funds for your retirement, McKnight said.

“If you have no other options then the tap the 401K, consider a loan — if your plan allows — and read the fine print regarding interest, borrowing limits, repayment terms, etc.” she said. “Borrowing from your 401K will incur double taxation.”

By that she means you’re repaying the loan with after-tax money and then you will be taxed again when you withdraw the funds in retirement.

“If you quit or lose your job the loan balance may need to be repaid in full within 60 days,” she said. “It is very important to ensure that you aren’t putting yourself at risk in your effort to assist your children with paying for school.”

McKnight said because borrowing or withdrawing from retirement plans have risks, you should speak to a financial professional for help so you make an informed decision based on your overall situation, and help ensure that you aren’t putting yourself at risk in your effort to assist your child with paying for school.

“It is important that you explore all of your resources when developing a college payment plan,” she said. “A little strategic thinking can go a long way toward maximizing financial resources and minimizing college payment stress, no matter what your income level.”

[Editor’s Note: The interest rates on certain loans, like private student loans or home equity lines of credit, will be affected by your credit. You can see where yours stand by viewing your free credit report summary on Credit.com.]

Related Articles

This article originally appeared on Credit.com.

9 Things to Do to Spring Clean Your Budget

Many of you probably have a spring-cleaning ritual. It is the time of the year when you wash the windows, air out the bedding and declutter. However, have you ever thought about sprucing up your budget?

That may sound strange, but it is the perfect time of year to take a good look at your finances. We’ve got some ideas of what to do to spring clean your budget.

1. Check Your Envelopes

Now would be a good time to make sure your cash envelopes (see how they work here) have the right amount in them. Take a look at your spending and determine if you need to make adjustments (up or down). Even if you don’t use cash, you should do this with your virtual envelope system as well.

You also need to make sure you don’t need to add new envelopes. Perhaps you find that you always go to your dining out envelope to get money for family fun. Why not make a separate envelope just for family fun? Now you have envelopes with a designated task and don’t need to take from one to fund another.

2. Clean Up Your Bills

Take a look at your spending. Are you paying for things you don’t need? Sometimes, we get so used to paying regular expenses that we ignore them.

For instance, you might not be ready to cut cable completely. However, are you paying for channels you really don’t watch? Go through your bills and make sure you aren’t wasting money on things you don’t use. (You can see seven easy ways to lower your cable bill here.)

3. Looking for Discounts

One of the goals of a budget is to help you keep as much money in your pocket as you can. Look back on your spending and you may discover you have items that could offer you a discount.

Believe it or not, there are many utilities that offer discounts to customers. You just have to know how to get them. You can take the time to research what others pay and call each company and try to negotiate your rates.

Once you make the phone calls, take additional steps to lower your utility costs. Your budget will thank you.

4. Establish New Goals

Goals are a tool we use in many areas of life, but what about budgeting? The truth is, you might already be setting goals and without realizing.

A goal could be as simple as paying down one credit card. It might be going on a dream vacation. Perhaps it is buying a car without a loan or paying for the first year of college tuition.

Whatever your goal, make sure you write it down. That instantly solidifies the goal. Then, you can place it somewhere you see it, every single day.

The more you see the goal, the more you remember what you want to achieve and hopefully avoid impulse purchases.

5. Lower Your Grocery Bill

This may seem like a strange one, but it can make a huge difference. It might mean shopping at a somewhere else.

For example, I slashed my grocery budget by switching to a difference store. By using this store to get most of our food, I dropped our grocery spending by more than $200 a month.

6. Transfer Your Credit Card Balance

This is the perfect time to look into getting a card with a 0% interest rate And transfer your balance to the new card. This will help eliminate interest on your balance, which might help you pay it down more quickly.

Just watch the introductory period. You need to pay the balance in full or transfer it again before the period lapses. Otherwise, you could end up paying even more in interest. (Interest rates are often based on creditworthiness — See two of your scores free on Credit.com.)

7. Lower Your Cellphone Bill

Most people think they are stuck paying whatever their wireless provider charges. That is true, for the most part.

However, you might be able to negotiate a lower rate. You may want to consider changing providers completely. Just call and see what happens.

8. Automate Your Savings

If saving money is difficult for you, you are not alone. Many people don’t have the discipline needed to save money every month. That is where automation helps.

You can see if your employer allows for your check to be directly deposited into multiple accounts. If so, have them deposit some of your paycheck directly into a savings account. If that is not an option, set up an automated transfer from your checking account into your savings account each month.

Once you do that, you will need to adjust the spending in your budget. Even saving just $25 a paycheck is better than nothing. You’ll be surprised at how much you do not miss the money.

9. Review Your Insurance

Take a look at not only your auto insurance but also your homeowners and life insurance.

Do some comparison shopping to make sure you are getting a good rate. If you get insurance from different providers, check to see if any of them offer any type of bundle discount. That might be reason enough to move all your coverage under one company.

If you’ve built up your emergency fund, you might be able to raise the deductible and lower your monthly out-of-pocket cost and save more than the deductible costs. Increasing your deductible from $500 to $1,000 could save you a lot of money in your monthly costs.

In addition, if you do not yet have life insurance, now is the time to consider purchasing it. It isn’t for you. It’s for your family. Read more about why you need life insurance.

Taking the time to review your budget is wise, but we don’t always take a close look. Plan to do this each year along with your spring-cleaning schedule and you’ll never forget again.

Related Articles

This article originally appeared on Credit.com.

Credit Card Interest 101

MoneyTips

You know that it's desirable to have a high credit score in order to get a low credit card interest rate, but do you know why your credit score is important — or how the interest on balances is calculated? Tiffany Aliche, Financial Educator and Author also known as "The Budgetnista", explains the thinking of credit card issuers: "If you have a higher credit score, that means you are more likely to pay back. And if you are more likely to pay back, they are more likely to lower your interest rate...if you are not likely to pay back, people want their money upfront." If you're not sure what your credit score is, you can check it and read your credit report for free within minutes using Credit Manager by MoneyTips. When a credit card company considers ...
200 items
Results 21 - 30 of 200 < previous next >