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 [...]

Quick — Can You Come Up With $400?

Life is expensive: Find yourself in need of an ambulance, tow truck or mechanic, and a hefty bill will likely follow. And many people just can’t pay. Forty-four percent of adults say they either couldn’t pay an emergency expense of $400 or would have to sell something or borrow money to cover the cost, according to [...]

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 [...]

Don’t Let Friends Derail Your Finances

Over the past few years, Meghaan Lurtz has had to turn down two destination bachelorette parties for dear friends. She was in graduate school and didn’t have the money to go. “It felt really crappy, because these are people that I know and I love and I care about, and I absolutely wanted to be [...]

Derailed by Tax Debt? Use These Tips to Get Back on Track

Tax season — and tax refunds — can be a financial lifeline for many Americans. But the season can pose challenges for those who owe money to the IRS. Over 18 million Americans owed taxes in September 2014, according to the most recent data from the IRS. Meanwhile, an estimated 10 million face tax penalties [...]

Different Ways to Zap Your Debt: Which Is for You?

American consumer debt has rebounded to prerecession levels, and the category that includes credit cards hit a record $1.02 trillion this summer. Maybe your credit card debt has crept up too, setting your own personal record. It makes sense to pay particular attention to your credit cards, because their interest rates are typically higher than [...]

Lock Down Your Data After Equifax Breach – Right Now

Chances are good that the Equifax data breach affects you. What do you do next? The short answers: Consider a credit freeze. Scrutinize your credit statements. And check your credit reports from all three credit bureaus. Equifax says hackers used a website application vulnerability to access the personal information of about 143 million U.S. consumers, or more than half [...]

What Would You Give Up to Be Debt-Free?

Looking to get out from under a mountain of credit card debt? You’ve likely come across an aspirational story or 12 while clicking around. They usually go like this: Penny-pinching Peter rid himself of an enormous amount of debt by cutting out small treats and giving up Netflix. But will abstaining from $12 avocado toast [...]

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 [...]

5 Debt Questions You’re Afraid to Ask

Talking about debt can be awkward or embarrassing, leaving you to worry in silence about your own rising balances or a family member’s finances. Here are answers to some questions you might hesitate to ask. Will my debt ever get so old that I won’t have to pay it? Not really. Many debts that might [...]