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When It Pays to Make a Balance Transfer

In a perfect world, you’d pay your credit card bill in full each month. But, life happens — your basement floods, your daughter needs braces, your refrigerator dies — and before you know it, you’ve got a balance that you can’t pay off. Fast forward several years later, and you’re still carrying a revolving balance…. Read More

5 Minutes to a Safer Identity

It’s summer. Time to relax and grab a beach read while sipping an umbrella-bedecked lemonade —or perhaps something stronger?!—not scrambling to notify banks, canceling credit cards and placing credit freezes on your credit reports because you’ve been the victim of identity theft. That doesn’t have to be the case, nor do you have to spend… Read More

How to Attend a Wedding Without Going Into Credit Card Debt

We all know that throwing a wedding is a total budget-breaker. But as it turns out, simply attending one hits your wallet hard, too. An American Express Spending & Saving Tracker survey found that guests plan to spend an average of $592 — per wedding — an increase of 10 percent over last year. And… Read More

Protect Your Credit, Don’t Take a Vacation From Your Finances

You can configure your smartphone so that it automatically backs up all your photos to the cloud. It’s possible to automate the deliveries of diapers and dog food to your doorstep. (Hello, Amazon Subscribe and Save!) And you can even put the task of paying all your monthly bills on autopilot. But when it comes… Read More

Safe Travels: How to Protect Your Identity While on Vacation

You should spend time on your summer getaway riding Space Mountain, sticking your toes in the sand, or touring ancient Roman ruins — not trying to protect all your financial information because you’ve been the victim of identity theft. So how do you minimize your risk and protect your identity while on vacation? Here, seven… Read More

4 Quick Tips for Maximizing Your Retirement Savings

You’ve been doing exactly what you needed to do in order to save for your golden years — setting money aside in a retirement account (whether it be a 401(k), 403(b), or IRA). Or so you thought. One look at your balance, and you realize that the lump sum isn’t nearly large enough. So how… Read More

Reality Check: Why Saving Money Is So Hard

 The key to financial success is simple: Buy less and save more. Yet this easy-to-comprehend adage is extremely difficult to follow. Case in point: According to a recent survey from America Saves (a campaign managed by the Consumer Federation of America), 63 percent of people are making only fair or no progress saving money. And… Read More