Advice & Expertise Blog

Holly Johnson

Holly Johnson

Holly Johnson is a financial expert and award-winning writer who serves as Contributing Editor for The Simple Dollar. Holly runs her own website, ClubThrifty.com, and writes for well-known publications such as U.S. News, World Report Travel, The Indianapolis Star, and Wise Bread. She is the co-author of Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love.

  1. 5 Hidden Financial and Social Impacts of America’s Student Loan Debt Problem

    5 Hidden Financial and Social Impacts of America’s Student Loan Debt Problem

    While there are many shocking statistics regarding American problems with student debt, one figure stands out from them all. As of early 2019, Americans owe over $1.56 trillion dollars toward student loans. No, that is not a typo! This record-breaking sum is spread among over 45 million borrowers according to Student Loan Hero, yet the individual burden is still astronomical.

  2. How and When to Request a Higher Credit Limit

    How and When to Request a Higher Credit Limit

    Credit cards are valuable tools that can work in your favor if you use them the right way. Plastic makes buying almost anything more convenient, for example, and you can even score cash back and travel rewards for each dollar you spend. Some credit cards also come with valuable consumer protections like guaranteed returns, extended warranties, and travel insurance.

  3. Credit Score Myths You Can Ignore

    Credit Score Myths You Can Ignore

    To help you cut through the nonsense and find out the steps you can take to help your credit score in the long run, we decided to break down the top credit myths you hear today. Feel free to ignore these myths from this day forward.

  4. Journey® Student Credit Card from Capital One® Review

    If you’re a student who is eager to build a positive credit history that will benefit you later in life, the Journey® Student Credit Card from Capital One® should be at the top of your list. This card comes with no annual fee and may be easier to qualify for if you have a limited credit history.

  5. Disney World with Rewards? Yes, It’s Possible

    Disney World with Rewards? Yes, It’s Possible

    Disney World in Orlando, Florida may just be the holy grail of vacations for most Americans, but that doesn’t mean it’s affordable. If you want to take savings up a notch, you can even earn rewards in programs that let you book airfare, hotel stays, and other components of a Disney trip for free.

  6. You May Never Have to Sign a Credit Card Slip Again

    You May Never Have to Sign a Credit Card Slip Again

    Each of the major credit card issuers — Visa, Mastercard, Discover, and American Express — pulled together to stop requiring credit card signatures as of 2018. The move was the result of careful planning amidst a transition toward greater credit card security over all.

  7. Blue Cash Preferred® Card from American Express: A Review

    Blue Cash Preferred® Card from American Express: A Review

    The Blue Cash Preferred® Card from American Express is a cash-back credit card that works for people who want to keep their rewards game on the simple side. Not only does this card offer a big signup bonus, but it lets you earn considerable rewards in categories people tend to spend the most in.

  8. 5 Best Password Managers of 2019

    5 Best Password Managers of 2019

    It seems like you need a complex password for everything these days, ranging from the online account you use to pay your electric bill to your cable television account, credit card account, and online bank.

  9. Barclaycard Ring® Mastercard® Review 2019

    While travel rewards and cash-back credit cards provide lucrative perks, they work best for consumers who never carry a balance on their cards from month to month. After all, the average credit card APR is currently well over 17%. It doesn’t make any sense to pursue rewards if you’re carrying a balance since the interest you pay will add up to way more than any rewards you earn.

  10. 2019 Guide to Southwest Rapid Rewards

    2019 Guide to Southwest Rapid Rewards

    Southwest is known for its low fares, constant sales, and cheerful flight attendants, but the airlines frequent flyer program — known as Southwest Rapid Rewards — is where it really shines. This dynamic program, which is insanely easy to use and understand, offers fare-based redemptions, an overly flexible cancellation policy, and points you can redeem in more than one way.

  11. 2019 Chase Ultimate Rewards Guide

    2019 Chase Ultimate Rewards Guide

    The easiest way to earn Chase Ultimate Rewards points is with one of their premier travel credit cards. Also note that you can earn Chase points with their regular cash-back credit cards, although you won’t be able to use them for premium travel redemption's.

  12. Best Travel Credit Cards of 2019

    Best Travel Credit Cards of 2019

    If you’re considering a new travel credit card for the new year, it’s smart to pay attention to new offers as well as tried and true favorites. Fortunately, there are an array of lucrative travel credit card offers available all year long — some with signup bonuses worth $500 or more.

  13. Discover it® Balance Transfer Review

    If you’re in debt and struggling to figure a way out, you are not alone. According to a Northwest Mutual Planning & Progress study from 2018, the average debt per American is up to $38,000 (excluding mortgage debt). Two in every ten people also allocate 50% to 100% of their income to debt repayment, which is a recipe for disaster.

  14. Capital One® Platinum Credit Card Review

    If you’re trying to build credit or repair credit mistakes from the past, the Capital One® Platinum Credit Card may be exactly what you need. Keep reading to learn how you could qualify, the benefits you will receive if you get approved, and where this card comes up short.

  15. Discover it® Miles Review: Earn 3x Miles for Travel in 2019

    While many travel rewards cards offer complicated redemption schemes and earning categories that are hard to keep track of, the Discover it® Miles takes a totally different approach. Let's go over the biggest benefits of the Discover it® Miles, who it’s best for, and a few potential downsides to consider.

  16. Chase Freedom® 5% Quarterly Categories for Q1 2019

    Chase Freedom® 5% Quarterly Categories for Q1 2019

    The Chase Freedom® has long been considered one of the most popular cash-back credit cards on the market — and for good reason. This cash-back credit card lets you earn 5% back on up to $1,500 in spending in categories that rotate each quarter (then 1%), plus 1% back on all your other purchases.

  17. How to Get Your First Credit Card

    How to Get Your First Credit Card

    Getting your first credit card is a huge adult milestone just like getting your first car or your first bank account. The problem is, it can be difficult to get approved for a credit card just because you want one.

  18. Will a New Rewards Credit Card Harm My Credit Score?

    Will a New Rewards Credit Card Harm My Credit Score?

    It’s smart to wonder how getting a new credit card will affect your credit score. After all, your credit score can impact the interest rate you’ll pay on credit cards and other loans. Learn more about your credit score and if a new rewards credit card would harm it.

  19. New FICO Scoring Model Could Be Coming: What This Means

    New FICO Scoring Model Could Be Coming: What This Means

    If you believe this new scoring model could benefit you, it’s important to understand how your banking data could play a role. FICO has mentioned how your checking, savings, and money market history can be used to boost your credit score in some cases, but what does that mean?

  20. Discover it® Cash Back Review

    Discover it® Cash Back Review

    If you’re looking for a way to earn more than the standard 1% cash back many no-fee rewards cards offer, you may want to consider the Discover it® Cash Back.This card does offer unlimited 1% cash back on your everyday purchases, but you also earn 5% cash back on up to $1,500 spent in categories that rotate each quarter.

  21. Best Rewards Cards for Holiday Shopping

    Best Rewards Cards for Holiday Shopping

    If you plan to shop for Thanksgiving, Christmas, Hanukkah, or other winter holidays this year, it’s only natural to wonder if a credit card could leave you better off. After all, many credit cards offer travel rewards or cash-back and some offer consumer protections such as guaranteed returns and extended warranties.

  22. What is the Best Discover Credit Card?

    What is the Best Discover Credit Card?

    If you’re in the market for a new credit card this year and think a Discover card could meet your needs, it helps to gain an understanding of each card’s unique value proposition. This guide breaks down the benefits of each card as well as who it’s good for.

  23. Worried About Your Identity? Now You Can Freeze Your Credit for Free

    Worried About Your Identity? Now You Can Freeze Your Credit for Free

    While many people have kept an eye on their credit by signing up for free credit monitoring or paying for an identity protection service like LifeLock, there has been another option on the table for some time now — freezing your credit. Through a credit freeze, Americans have had the opportunity to stall their credit and make it unavailable to anyone who tries to open an account in their name.

  24. What’s the Best Way to Avoid Bank Overdraft Fees?

    What’s the Best Way to Avoid Bank Overdraft Fees?

    When it comes to choosing a bank, there are several ways to keep costs at a minimum while scoring valuable benefits. You can opt for a bank that offers free checking, high interest savings account options, or online banking perks that make paying bills or making deposits easy, for example.

  25. What is a Good Credit Score?

    What is a Good Credit Score?

    Like it or not, your credit score may play a bigger role in your life — and your lifestyle — than you think. It all starts with knowing what a good credit score is and the steps you can take to achieve this milestone. Keep reading to learn more about credit score ranges and how to improve your score over the long haul.

  26. Best Credit Cards for a 600 Credit Score

    Best Credit Cards for a 600 Credit Score

    If your credit score is in the 600 range, you have what is typically called “fair” credit. While it’s possible to get approval for a traditional credit card if you have fair credit, many credit cards for people with bad credit are secured credit cards. If you are in this range, take a look at the cards that might be available to you and how you can help you score.

  27. FICO vs. VantageScore: What’s the Difference?

    FICO vs. VantageScore: What’s the Difference?

    Your credit score is an important measure of your overall credit health that can help — or stand in the way of — myriad financial goals. Although it isn't necessarily easy to understand, there are similarities to both your FICO score and VantageScore. Learn more now about each of these factors and what you can do to help improve your scores.

  28. Best Personal Loans for Debt Consolidation

    Best Personal Loans for Debt Consolidation

    If you want to get out of debt this year and know a personal loan could help, it’s smart to compare loan companies to see what they can offer. Read on to learn about the services that offer personal loans with low rates and could help you save money on interest, pay down debt faster, and simplify your financial life.

  29. Which Credit Cards are Best for Building Credit?

    Which Credit Cards are Best for Building Credit?

    Building credit can be difficult when you’re first starting out, and it may even seem impossible. It’s not always easy to find a bank willing to give you a credit card or line of credit when you don’t have a credit history, after all. If you're not sure where to start, a secure card might be best.

  30. How Do I Get My Free Annual Credit Report?

    How Do I Get My Free Annual Credit Report?

    If the information in your credit report is negative or incorrect, this could spell disaster for your credit score and your ability to qualify for loans or other forms of credit. Checking your credit report, you are able to monitor your credit for signs of identity theft or fraud.

  31. Walmart Credit Card Review: Is It Right for You?

    Walmart Credit Card Review: Is It Right for You?

    If you’re a frequent shopper at Walmart stores, you may be wondering if you could benefit from one of their co-branded credit cards. Before you decide, it helps to know about the different cards the nation’s biggest retailer offers along with how their benefits work.

  32. Why Flexible Travel Credit is Totally Underrated

    Why Flexible Travel Credit is Totally Underrated

    If you’re in the market for a travel credit card but feeling completely overwhelmed by all the different rewards programs available, you’re not alone. While earning travel rewards is fun for some, many people find that the sheer number of rewards programs, make the process of finding a card stressful.

  33. Why You Should Get a Credit Card for Your Summer Vacation

    Why You Should Get a Credit Card for Your Summer Vacation

    Whether you have some of your summer travel booked and paid for or you’re waiting to score a last-minute deal, you might be surprised to hear that one tool could help save you money or protect your financial investment. Here are 4 reasons you should consider getting a credit card before you depart on your summer getaway.

  34. How to Raise Your Credit Score When You Can’t Get a Credit Card

    How to Raise Your Credit Score When You Can’t Get a Credit Card

    You may not be approved for a new credit card if your credit profile is thin or you have negative marks on your credit report, after all. Still, you’ll want to take steps to improve your credit whether you can get a new credit card or not. Here are four strategies that can make the biggest impact in the shortest amount of time.

  35. 4 Ways to Score Frugal Travel While You Pay Down Debt

    4 Ways to Score Frugal Travel While You Pay Down Debt

    If you’re struggling with debt and know it will take you years to pay off, you’re not alone. You can travel frugally while you’re young and pay down debt, but you’ll need to avoid some pitfalls along the way. Here are 4 strategies you can use to see the world while you still can — without avoiding your responsibilities.

  36. Can a Credit Card Actually Help Me Pay Off Debt?

    Can a Credit Card Actually Help Me Pay Off Debt?

    If you’re drowning in debt and struggling to find a way out, you may believe a new credit card is the last thing you need. While you are likely right when it comes to traditional cards, there is one type of card that could actually make paying down debt easier.

  37. Top 4 Credit Cards for Investors

    Top 4 Credit Cards for Investors

    With the right rewards card, you can easily earn up to 5% back on all your regular spending. Since you can achieve these returns without any effort or time invested, this is truly “free money,” provided you have the discipline to pay your bill in full each month.

  38. 8 Cheap Summer Vacation Ideas with Kids

    8 Cheap Summer Vacation Ideas with Kids

    There are plenty of ways to make family memories without spending a bundle. If you’re angling for a summer vacation with kids that won’t blow your budget out the window, consider these low-cost and mid-tier vacation ideas.

  39. How to Create a Mid-Year Money Goals Review

    How to Create a Mid-Year Money Goals Review

    Building wealth is a long-term game that requires patience and forward thinking. Of course, those who start saving and investing early tend to have the best results. For that reason, it’s smart to create annual goals as well as five-year, ten-year, and even twenty-year financial goals.

  40. 9 Ways to Get Married for Less

    9 Ways to Get Married for Less

    If you’re someone who isn’t too keen on spending money you don’t have (or borrowing money) for your wedding day, it’s smart to look for ways to whittle down costs. Here are nine ways to get married for less.

  41. 7 Tips to Plan a Luxury Vacation for Less

    7 Tips to Plan a Luxury Vacation for Less

    Planning any type of trip can be stressful when your funds are limited, but you have a real task at hand if you expect luxury for less. Fortunately, there are ways to score luxury for less if you’re willing to do things differently, and able to plan ahead. Here are 7 tips that can help you book sheer luxury for less.

  42. Top Rewards Cards for Summer 2018 Travel

    Top Rewards Cards for Summer 2018 Travel

    Fortunately, your summer getaway doesn’t have to break the bank. There are myriad travel credit cards that can make your summer getaway both cheap and fun, although the right card for your needs depends on where you want to go and your travel style.

  43. Bank Bonus “Gotchas” to Watch Out For

    Bank Bonus “Gotchas” to Watch Out For

    As you explore bank bonus offers and decide which one to sign up for, it’s crucial to read the fine print so you can avoid the biggest gotchas and pitfalls. Learn more about these 5 fine print details you should absolutely be aware of.

  44. Surprise Cruise Expenses to Watch Out For

    Surprise Cruise Expenses to Watch Out For

    While cruise fares can be inexpensive on their own, there are plenty of “extras” and “gotchas” you should prepare for. While some of these added expenses can be avoided, others are just part of the deal. Learn more about the hidden expenses of a cruise.

  45. 8 Money Resolutions You Couldn’t Mess Up if You Tried

    8 Money Resolutions You Couldn’t Mess Up if You Tried

    New Year’s resolutions are a popular way to set new goals at the end of the year. No matter your past indiscretions or whether or not you improved your life last year, a new year means a new opportunity to get things right. If you’re looking for an easy way to stick to your money goals this year, try these strategies:

  46. The Best Rewards Cards for a Valentine’s Day Splurge

    The Best Rewards Cards for a Valentine’s Day Splurge

    If you are hoping to score a slightly more exciting or luxurious Valentine’s Day this year, however, certain rewards and travel credit cards can help. Not only do some dole out rewards you can use for an epic gift, but some rewards are a gift on their own.Here are some of our favorite cards for an epic Valentine’s Day.

  47. Take These 5 Steps Out of Holiday Debt

    Take These 5 Steps Out of Holiday Debt

    The bad news is, debt is pervasive, relentless, and a lot like Mogwai. If you feed it, it just keeps growing and growing as interest compounds over and over again. The good news is, there are some ways to put a lid on your holiday debt – and all your other debts – for good.

  48. 5 Best Rewards Cards for Your Massive Daycare Bill

    5 Best Rewards Cards for Your Massive Daycare Bill

    If you’re looking for ways to rack up rewards through regular spending, why not take a look at your daycare bill? You’re probably paying a lot for care, so it makes sense to look for ways to benefit. Provided you can pay your daycare bill with a credit card every month (and pay it off), this strategy could help you rack up a ton of rewards with little effort on your part.

  49. 5 Money Lessons Your Teenager Can Learn with a Credit Card

    5 Money Lessons Your Teenager Can Learn with a Credit Card

    While there are many ways to learn life’s important lessons, one of the best ways to learn is by doing – or through old fashioned trial and error. You can tell your kids how to fish, but they’ll become better fisherman by baiting their own lines and strategizing ways to get fish to bite.

  50. Capital One® Savor® Cash Rewards Credit Card Review

    Capital One® Savor® Cash Rewards Credit Card Review

    The new Capital One® Savor® Cash Rewards Credit Card falls into the latter category, offering different levels of rewards for different purchases. Fortunately, the rewards are lucrative – especially in certain categories – and there’s no annual fee. The fact this card offers a signup bonus is just icing on the cake.

  51. Joint Finances: How Sharing Money Can Bring Couples Closer

    Joint Finances: How Sharing Money Can Bring Couples Closer

    There’s a reason the divorce rate hovers around 40 to 50 percent at any given time. Marriage is hard, and it often comes with issues you can’t foresee. You marry “in sickness and in health” and “for rich or for poor,” but that doesn’t mean you actually expect the worst-case scenario to happen. And when life gives you lemons, divorce is often the easiest way out.

  52. Best Business Credit Cards for 2017 Holiday Spending

    Best Business Credit Cards for 2017 Holiday Spending

    Before you spend hundreds – or even thousands – of dollars on holiday gifts for your employees or vendors, it can pay off to spend some time figuring out the best business credit card for your needs. Here are some options to consider along with their pros and cons for the 2017 holiday season and beyond:

  53. This Rewards Card Gives You 5 Percent Back on All Your Holiday Shopping

    This Rewards Card Gives You 5 Percent Back on All Your Holiday Shopping

    If you’re gearing up for the holiday shopping season and looking for new ways to save, it always helps to think outside the box. Of course you’ll scoop up bargains on Black Friday and Cyber Monday, but your deal-seeking doesn’t have to end there. With the right rewards credit card, you could get 5 percent cash back – or a 5 percent discount on most of your holiday gift-giving this year.

  54. Best Rewards Cards for Black Friday 2017

    Best Rewards Cards for Black Friday 2017

    As usual, a lot of spending will take place on Black Friday, the notorious shopping holiday that takes place the day after Thanksgiving. As NRF figures show, more than 154 million individuals shopped in stores or online on Black Friday in 2016, spending about $290 each, on average.

  55. Best Balance Transfer Credit Cards if You Have a Ton of Debt

    Best Balance Transfer Credit Cards if You Have a Ton of Debt

    But, which balance transfer card should you get? If you have a small amount of debt that will only take a few months to pay off, nearly any 0 percent APR card could do the trick. If you’re drowning in debt and carrying more than average, on the other hand, a card with a long introductory offer and the best terms possible will leave you better off.

  56. 5 Reasons My Kids Aren’t “Too Good” for Community College

    5 Reasons My Kids Aren’t “Too Good” for Community College

    With college costs and student loan debt soaring, I want to help my kids make smart decisions regarding their future. Since our kids were babies, we’ve been socking money away in their 529 savings plans. By the time they reach college, I estimate they’ll both have $50,000 to pay for any school of their choosing.

  57. Blue Delta SkyMiles® Credit Card from American Express: Earn Delta SkyMiles without an Annual Fee

    Blue Delta SkyMiles® Credit Card from American Express: Earn Delta SkyMiles without an Annual Fee

    Recently, Delta Air Lines and American Express partnered up to offer a brand new co-branded credit card – the Blue Delta SkyMiles® Credit Card from American Express. While the signup bonus on this card isn’t anything to write home about, it does offer one benefit many rewards consumers look for – no annual fee. Beyond its lack of an annual fee, this card also offers an interesting earning structure that could work well for consumers with certain spending habits.

  58. 5 Ways Millennials Can Use Credit Cards to their Advantage

    5 Ways Millennials Can Use Credit Cards to their Advantage

    Millennials may be the largest living generation on Earth, but that doesn't mean they don't face their share of financial hurdles. For example, millennials face higher levels of student loan debt than ever before, rampant unemployment or underemployment, an increasingly expensive housing market, and a world where owning costly gadgets and technology is the norm.

  59. Rewards Credit Cards to Score Before the Holidays Hit

    Rewards Credit Cards to Score Before the Holidays Hit

    With summer behind us and fall on its way, it’s just a matter of time until the festive season hits. Once Halloween comes and goes, an explosion of twinkling lights and non-stop sales will last for months. Holiday shopping season will kick in, culminating on Black Friday followed by weeks of last-minute rushing to find the perfect gifts. It will be here before we know it, which is why you should really start planning now.

  60. Yes, You Can Book All-Inclusive Vacations with Credit Card Rewards

    Yes, You Can Book All-Inclusive Vacations with Credit Card Rewards

    According to a recent survey from Allianz Travel Insurance, the average American may be spending more money on vacation than ever before - approximately $1,798 on average as of 2016. That’s a lot of dough to spend on travel, yet 50 percent of respondents to the Allianz study said they were confident they could pull it off.

  61. How to Execute a Balance Transfer – and Actually Save Money

    How to Execute a Balance Transfer – and Actually Save Money

    If you have high interest credit card debt, personal loan debt, or other mounting bills, a balance transfer credit card could be the answer to your prayers. Once you qualify for a balance transfer credit card, you can score 0 percent APR on transferred balances for anywhere from 12 – 21 months. Best of all, some balance transfer credit cards offer low fees or even no fees to consumers who qualify.

  62. Can Credit Cards Help You Become More Charitable?

    Can Credit Cards Help You Become More Charitable?

    When it comes to credit cards, there are too many options to count. From cash-back rewards cards that let you earn rewards to balance transfer cards that help you save money on interest, there’s a card type to suit everyone regardless of their credit needs. And yes, that includes credit cards that can help you become more charitable. Believe it or not, some card issuers and programs make it easy to donate cash-back or miles instead of keeping your rewards for yourself.

  63. A No-Fee Membership Rewards® Card You’ll Love: Blue Business℠ Plus Credit Card from American Express

    A No-Fee Membership Rewards® Card You’ll Love: Blue Business℠ Plus Credit Card from American Express

    While American Express is well known for their selection of premier travel credit cards, past and present Amex customers seem to have a lot of gripes. For starters, the card issuer’s top tier travel credit cards – the Platinum Card from American Express and the Business Platinum Card from American Express – come with outrageous annual fees of $550 and $595, respectively. Worse, both cards offer an earning tier of just 1 point per $1 spent outside of special bonus categories.

  64. “Surprise” Credit Card Fees You Should Never, Ever Pay

    “Surprise” Credit Card Fees You Should Never, Ever Pay

    Credit cards offer a slew of benefits that make them valuable for just about anyone. With a credit card in-hand, you can score valuable consumer protections like purchase protection, zero fraud liability, and guaranteed returns. And, let’s not forget about the many rewards programs that help you rack up cash back, gift cards, or free travel.

  65. 5 Clever Reasons to Refinance Your Mortgage (and 3 Reasons Not to)

    5 Clever Reasons to Refinance Your Mortgage (and 3 Reasons Not to)

    With interest rates near record lows so long that rising rates seem imminent, it’s smart to at least consider refinancing your home mortgage. A lower interest rate could give you plenty of advantages, after all. While loan outcomes vary, lower interest rates can easily lead to lower monthly mortgage payments and interest savings. Under the right circumstances, you could even shorten the repayment timeline for your loan and pay off your home faster.

  66. Myth Busted: No, Opening New Credit Cards Won’t Bomb Your Credit Score

    Myth Busted: No, Opening New Credit Cards Won’t Bomb Your Credit Score

    Credit card signup bonuses are often considered the holy grail of affordable travel. Sign up for a new rewards credit card or travel credit card, hit a minimum spending requirement, and earn a bonus big enough to pay for several hotel nights or a free round-trip flight. If you’re into cash-back instead, you can also parlay your rewards into several hundred dollars in statement credits instead.

  67. 6 Reasons Cheap Rural Living May Be a Better Deal Than You Realize

    6 Reasons Cheap Rural Living May Be a Better Deal Than You Realize

    Is big-city living all it’s cracked up to be? Or, would you be better off in a quieter, slower-paced rural environment? While this question has been debated for years, there is no “right” or “wrong” answer that suits everyone. The truth is, some people prefer the close-knit quarters of an urban existence while others crave more space.

  68. 10 Highest-Paying Careers for 2017-18 College Graduates

    10 Highest-Paying Careers for 2017-18 College Graduates

    Graduating with a college degree requires a sincere commitment to academics and a laser-focus on achieving one’s goals. Many top degree programs require four years of rigorous coursework at the very least, while some of the highest-paying fields require eight or more years in school along with a residency and/or on-the-job training.

  69. Bachelor’s Degrees Jobs with the Best ROI for 2017-2018

    Bachelor’s Degrees Jobs with the Best ROI for 2017-2018

    According to a recent analysis from USA Today, using data compiled by the Economic Policy Institute, a college degree is one of the best financial investments anyone can make. In 2015, college graduates earned 56 percent more than high school graduates. Non-degreed adults also face higher unemployment rates and fewer opportunities over all, mostly due to lost manufacturing jobs from the last decade.

  70. 10 College Degrees with Awesome ROI for 2017-2018

    10 College Degrees with Awesome ROI for 2017-2018

    Despite the growing costs of higher education, a college degree is usually the best way to get ahead. With a degree in an in-demand and profitable industry, workers can get their foot in the door, climb the career ladder, and continue improving their skills.

  71. 9 Cheap Beach Towns You Can Actually Afford to Visit This Year

    9 Cheap Beach Towns You Can Actually Afford to Visit This Year

    If you have kids, you’re probably well aware that beach vacations are the ultimate gateway to frugal fun. Beyond transportation and lodging, you’ll pay very little to keep the kids busy all day. Head out to the beach from your hotel or rental, bring along a cooler of drinks and snacks, and your kids will use nature’s bounty – surf, sand, and sea life - to entertain themselves.

  72. Chase Freedom® Review: A First-Hand Account

    Chase Freedom® Review: A First-Hand Account

    My original foray into credit card rewards stemmed from a targeted mailer for the Chase Freedom® card. I was in my late 20’s and money was tight. With Chase Freedom®, I learned I could score an initial signup bonus ($100 at the time) and earn 1-5 percent cash back for every dollar I spent. Needless to say, I was pumped to try it out.

  73. Best Credit Cards for a Large Purchase

    Best Credit Cards for a Large Purchase

    If you have a large purchase coming up and don’t have the cash, you have myriad options at your disposal. You could spend months saving small sums to reach your goal, or you could take out a personal loan. If neither of those options seem appealing, you could sign up for a new credit card instead.

  74. Should You Pay Your Card’s Annual Fee? Here’s How to Decide

    Should You Pay Your Card’s Annual Fee? Here’s How to Decide

    The best travel and rewards credit cards really can offer the unthinkable – something for nothing. By using your card for all your purchases, you can earn points redeemable for cash back, travel rewards, gift cards, or merchandise. The catch, however, is that you must avoid carrying a balance if you want to avoid credit card interest.

  75. Rewards Credit Cards Overview: 5 Types of Cards and How They Work

    Rewards Credit Cards Overview: 5 Types of Cards and How They Work

    If you have ever wanted to travel the world, earn cash back for a rainy day, or rack up points good for gift cards or merchandise, a rewards credit card might be exactly what you need. After signing up a for rewards card, you can easily earn 1-5 points worth of cash back, gift cards, merchandise, or travel rewards for each dollar you spend.


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