You’re Married, but Your Assets Don’t Have to Be

People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong. Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner [...]

These 5 Gas-Saving ‘Tips’ Don’t Work

When gas prices spike, drivers love to swap gas-saving tips. The crazier the tip, the faster it seems to spread. The problem is, some such “tips” are more urban legend than fact. Others might have been true back in the day, but improved automotive technology has erased any real benefit. Keep in mind that, over [...]

Planning a Wedding? Start With the Budget

The proposal was perfect. You’ve told friends and family the exciting news and shared pictures of the sparkly new ring on Instagram. Now it’s time to plan the wedding. Setting a realistic budget is a smart first step. But throwing out a number is one thing; sticking to it is the hard part. According to The Knot’s 2017 [...]

Do’s and Don’ts When Using Shopping Apps

Retailers such as Target and Amazon are embracing mobile applications to help consumers save money and time with features like digital wallets and augmented reality. When used strategically, apps can streamline in-store trips and online purchases, but shoppers could also find that convenience comes with a risk: impulsive decisions and overspending. “Now shopping can be [...]

Ditch This Phrase and Jump-Start Your Financial Plan

Moving on after financial mistakes is tough when you’re stuck in “I should have” mode. I should have started saving for retirement sooner. I should have cut up my credit cards years ago. I should have said no to my brother-in-law’s dumb investment idea. Acknowledging mistakes is one thing, but ruminating keeps you mired in [...]

Save More When Back-to-School Shopping Online

Shopping for school supplies, electronics and clothing can be a chore — and an expensive one at that. Families with children in grades K-12 plan to spend an average of $687.72 on back-to-school shopping, about $14 more than last year’s average of $673.57, according to the National Retail Federation. College students and their families plan to [...]

Budgeting for New Homeowners: Plan for Additional Expenses

The stress and excitement of buying a house has come and gone — it’s time to hang a welcome sign and call it home. But a new journey in budgeting begins once you’ve paid the closing costs and tipped the movers. Now it’s time to learn to budget as a homeowner. If you’re new to [...]

Class of 2017: Get a Jump on Adulthood With These 7 Tips

College prepares students to be everything from accountants and teachers to government workers and health care technicians, but not all students learn basic money management skills. Here’s advice for this year’s graduates on how to succeed financially. 1. Use a tried-and-true budgeting strategy A regular paycheck, however small, can feel like a windfall for those [...]

6 Smart Ways to Travel Cheaply

Memorable vacations can come with a price tag you'd rather forget. But with proper planning, smart research and a flexible attitude, you can travel cheaply and still have an experience worth remembering. Here's how. 1. Cut transportation costs Before planning your trip, have a rough budget in mind. A vacation calculator can help. If you [...]

3 Sneaky Ways Debt Can Change How You Think

For some people, debt leads to sleepless nights and anxiety about incessant collections calls. But for others, it causes quieter changes that still leave them drowning in bills without a clear way out. Understanding the ways in which your debt can affect the way you feel, think and act may give you perspective that’ll help [...]