How to Budget With Irregular Income: A Practical Guide for Variable Earnings
Traditional financial advice tells you to subtract your expenses from a predictable monthly paycheck. When your income fluctuates wildly from…
Author: Nicole Cooper
How Lifestyle Creep Prevents You From Building Savings
I used to assume that earning more would automatically make saving easier. A larger paycheck should leave more money in…
What To Invest In After Maxed Out 401k And Roth IRA: Smart Next Steps
Maxing out retirement accounts is a milestone many investors never reach. But once I have filled my 401(k) and Roth…
Should You Close an Unused Credit Card? What You Need to Know Before Canceling
If you are asking whether you should close an unused credit card, the safest answer for many US consumers is:…
What is Zero-Based Budgeting Method? How to Give Every Dollar a Purpose
American households left an estimated billions of dollars in unallocated income sitting in checking accounts last year—money that quietly dissolved…
Certificates of Deposit vs. Savings Accounts: Which Should You Choose?
I used to think choosing a savings product was simple: find the highest advertised rate and move the money. However,…
Best Ways to Save Money as a College Student Without Missing Out
I used to think saving during college meant rejecting every invitation, surviving on instant noodles, and watching other people enjoy…
How to Calculate Your Debt-to-Income Ratio for Personal Loans
I used to think a personal loan decision came down mostly to credit score and income. Then I started looking…
How To Build A Three Fund Portfolio For Retirement?
I like retirement portfolios that are boring on purpose. When I think about how to build a three fund portfolio…
Does a Credit Limit Increase Hurt Credit? Here’s What Happens to Your Score
No, a credit limit increase generally does not hurt your credit score in the long run. In many cases, it…