Advice & Expertise Blog

Financial Tips

  1. March 5, 2018

    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.

  2. February 20, 2018

    If you look around your home or garage and see extra space or unoccupied rooms, you could be seeing dollar signs. You can earn cash from spare space without having to spend a ton of time prepping or marketing. Here are some ways you can turn unused living or storage space into money, fast.

  3. February 15, 2018

    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:

  4. February 8, 2018

    The average person spends $140 on Valentine’s Day, which can feel impossible if you have little money to spend on the holiday. If you are strapped for cash but have a special someone to share the day with, never fear, a great Valentine’s Day date doesn’t need to break the bank.

  5. January 30, 2018

    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.

  6. January 23, 2018

    As one of the country’s biggest sporting events, people will host parties and events nationwide. However, if you’re not a football fan, it can be a bit dull. Thankfully, Super Bowl Sunday can be a money-making opportunity if you’re willing to forgo the game. Here are 7 creative ways you can make money during the big game.

  7. December 27, 2017

    Going into debt for the holidays can be an expensive mistake. Many people take months to pay off their debt; some are still making payments on their credit cards a year later. Thanks to interest charges, you could end up paying hundreds or even thousands more than you originally spent.

  8. December 14, 2017

    If a sudden car repair or medical bill would send you scrambling, you’re not alone. Nearly half of all Americans could not come up with $400 in an emergency. If that’s you, too, a single unexpected expense could deplete your bank account. To make ends meet, you might have to turn to credit cards or payday loans.

  9. December 7, 2017

    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.

  10. November 28, 2017

    The holidays are undoubtedly expensive. However, you can cut down on your expenses by taking on a part-time seasonal job. You can make more money and can often take advantage of employee discounts, which can help stretch your budget further.

  11. November 27, 2017

    From airline miles to cash back, there’s no shortage of credit card rewards. While these rewards are plentiful, a significant chunk of consumers don't benefit from the situation. A study by Princeton Survey Research Associates International found that nearly a third of credit card holders don’t redeem their hard-earned rewards.

  12. November 21, 2017

    Trying to buy thoughtful gifts for friends and family and finding just the right outfit for every holiday party can hurt your budget. If you’ve been working on paying down student loan debt or building an emergency fund, the holidays can be a serious setback.

  13. November 17, 2017

    Last year, Americans planned to spend $929 on holiday gifts. That number doesn’t even touch on decorations, holiday outfits, or travel expenses. To pay for those gifts, many people turn to credit cards. But, thanks to high interest rates, their credit card balance can grow over time and it can take months to pay it off.

  14. November 14, 2017

    Black Friday, the Friday after Thanksgiving, is noted as the biggest day for retailers of the year. Millions of people turn out in stores and online to score deals on electronics, clothes, and more. But before you camp out at the nearest department store at 2:00 a.m., it’s important to know that Black Friday isn’t always what it seems.

  15. October 19, 2017

    If your savings account is low and you need cash quickly, side hustles can be a smart way to make extra money. And, if you own a car, your earning potential can dramatically increase. Having access to a vehicle can help you earn more money in your spare time, so you can pay for unexpected expenses as they come up without using loans or credit cards.

  16. October 17, 2017

    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.

  17. October 5, 2017

    According to the National Institute of Mental Health, over 43 million adults in the United States have a mental illness. That number is approximately 18 percent of the nation’s population. Yet, mental illnesses are rarely talked about.

  18. September 29, 2017

    When you’re starting out and living in a studio apartment and eating ramen, the thought of having more money can seem like a distant dream. However, you can make that dream a reality by launching a side hustle.

  19. September 25, 2017

    One of the largest expenses you have is housing. Renting an apartment can eat up 30 percent or more of your income, leaving little left over for building an emergency fund or paying off debt. In fact, the median rent nationwide is $1,001.

  20. September 20, 2017

    Moving for a new job — or at the request of your current employer — can either be an exciting or terrifying prospect. For some, getting to know a new city and possibly getting a pay bump along the way are big incentives to say yes. For others, change and uncertainty can leave them feeling anxious.

  21. September 15, 2017

    If you’re a recent graduate, you likely have polished your resume, bought an interview suit, and spend huge chunks of your day scouring job boards. However, if you haven’t taken the time to check out your web presence, you could cost yourself that coveted first job.

  22. September 8, 2017

    On Thursday, credit reporting agency Equifax announced that a cyber security attack on their systems occurred. The company says that the data breach exposed customers’ personal information, including names, addresses, Social Security numbers and even driver’s license numbers. They also got a hold of thousands of credit card numbers.

  23. August 31, 2017

    A staggering 49 percent of Americans are living paycheck to paycheck, meaning they have no savings. They’re completely reliant on the next payday to manage their expenses; if a paycheck is late, or an unexpected emergency comes up, they have no way to handle it.

  24. August 22, 2017

    Whether you’re talking about the environment, energy, or food, sustainability has become a hot topic. But for all this talk about creating a sustainable society, people rarely apply the concept to household budgeting. We have somehow forgotten its place in fiscal management.

  25. August 17, 2017

    When I accepted the offer for my first job, I only had about $100 to create an entire work wardrobe. And when I walked into stores, I quickly found that my $100 wouldn’t buy a single dress. I was frustrated and panicking because my start date was just a few days away. Thankfully, I did some research and talked to friends, and got some smart ideas to find cheap work clothes. I was able to start work with many office-worthy outfits that looked great, without overextending my budget.

  26. August 9, 2017

    If you’re a first-time car buyer, the process can be overwhelming and a little terrifying. The idea of going up against a tough car salesperson can feel like a losing proposition. However, there’s a way that even the shyest people can negotiate and get a great deal. Even better, you’ll be in an out of the dealership in under an hour.

  27. August 7, 2017

    It’s already August, so there are just a few weeks left to summer. No more lazy days by the pool or trips to the beach. But before you start feeling down, there is still time to have one last adventure before returning to the regular grind. If you’re on a budget, you don’t need to spend a ton of money on hotels or airline tickets. With gas prices the lowest they’ve been in years, you can have an epic journey with family or friends with a summer road trip.

  28. August 4, 2017

    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.

  29. July 31, 2017

    The average starting salary for new college graduates is $49,785. While that number is a healthy salary, financial demands can make it difficult to make ends meet. Graduates are leaving school with an average student loan balance of $37,172, which can eat up a significant part of their income.

  30. July 25, 2017

    While college tuition is expensive enough, coming up with the cash to pay for textbooks can be difficult. The cost of books has skyrocketed in recent years. Since 1978, the price of textbooks has risen 812 percent. The average undergraduate student will spend approximately $1,300 a year on books. That high cost can add thousands to your college education, or can prohibit you from buying necessary books.

  31. July 24, 2017

    With kids out of school, longer daylight hours, and warm weather, summer is the perfect season for a big move. Each year, 11 percent of Americans move to a new home. About 3 million of those move across state lines, with professional movers handling about 800,000 moves annually. The summer months traditionally see the biggest surge of moving activity, with a recent report indicating about 38 percent of all moves in 2016 happened between June and August.

  32. July 20, 2017

    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.

  33. July 19, 2017

    Graduating from college is an exciting time. You’re finally done with classes, term papers and exams. From starting a new job to moving out on your own, your life changes drastically after school. However, those changes can be expensive. With expenses like rent and student loan payments, making ends meet can be more challenging than you expected. In the United States, the average rental cost for a one-bedroom apartment is $1,021.

  34. July 18, 2017

    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.

  35. July 14, 2017

    When planning a vacation, your flight can be the most expensive part. It can be more than your hotel, car rental and food combined. A pricey flight can cut down on the number of things you can do on your trip, or even reduce how long your vacation can be.

  36. July 10, 2017

    Traveling the world is the goal of many people. Visiting foreign countries, seeing landmarks, and sampling new cuisines can be an incredible experience. But the price can be prohibitive for many. If you dreamed of traveling the world but have been delaying take the plunge, you might be afraid of the cost. Planning a vacation when you’re on a budget can be difficult. However, there are some beautiful, tropical destinations that are shockingly affordable.

  37. July 7, 2017

    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.

  38. July 6, 2017

    There are few ideas as captivating as free travel. It’s an elusive goal for many, but it’s not impossible. To get there, you can use one of several strategies that offer travel opportunities that someone else will pay for. But first, you have to understand that free travel is never easy. As the saying goes, there’s no such thing as a free lunch, and any travel that you accept for free will come with other types of costs and obligations.

  39. July 5, 2017

    If you’re planning on traveling this summer, your credit cards are essential. You’ll need one to do everything from checking into a hotel to renting a car. While credit card theft and fraudulent charges are always a risk, it isn’t as big of a deal when you’re home. You can quickly cancel the cards, and your credit card company will send you new ones right away.

  40. July 3, 2017

    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.

  41. November 23, 2016

    Shop smart and shop small, as in small business, this Saturday, November 26th. Small Business Saturday takes place the Saturday between Black Friday and Cyber Monday and offers great benefits to not only the business owners but also the shoppers.

  42. October 21, 2016

    There are two different types of people when it comes to the holidays… those who think “It’s only October, I have plenty of time to do my Christmas shopping” or those who feel “There’s only 9 weeks til Christmas, I better get planning and finish shopping!” Many reasons exist that people procrastinate their holiday shopping, but a result of procrastinating can lead to spending a large amount of money at once, which doesn’t work for most people.

  43. September 26, 2016

    Barclaycard Arrival Plus™ World Elite Mastercard®- Voted Money Magazine’s Best Frequent Flyer Credit Card! This travel rewards card has been voted the best frequent flyer credit card for frequent travelers who are looking for a no hassle card with great benefits.

  44. June 13, 2016

    Planning parties can be a lot of pressure especially when you have a tight budget. Here are 4 money saving tips to party planning to help you stretch your budget and save big!

  45. May 16, 2016

    Summer time is almost here and for many that means…family vacation! Vacation planning can be stressful, as well as very expensive, but there are a number of ways to cut down on the stress and be less draining on the checkbook. Check out these 5 tips on how to save, but still have a memorable vacation.

  46. April 7, 2016

    With Spring in full force the gardening bug is spreading. For those people who aren’t quite sure on what to do and don’t want to spend a lot of money just quite yet, check out these great tips on how to create a successful garden while not spending a fortune.

  47. November 3, 2014

    While most of us are not looking forward to winter, looking ahead and being prepared for the cold can end up saving you cash! Check out these 9 tips to help get yourself prepared for the upcoming season.

  48. April 15, 2014

    There are many things to consider when buying a vehicle such as the vehicle's history, the vehicle's valuation, financing, and then finding the right monthly payment for you.

  49. February 25, 2014

    Tips to reduce debt and improve your finances can vary from budgeting to listing debts to requesting lower interest rates.

  50. October 23, 2013

    You can reduce spending without making big changes to your lifestyle. This isn't your typical list detailing how to spend less by sacrificing. We all know we could eat out less, buy fewer clothes, take fewer or less expensive vacations, clip coupons, make coffee at home instead of grabbing a latte, etc. But here are some ways to save money that you might not have thought of that are relatively pain-free.

  51. October 7, 2013

    There are many things you can do to save money each day… making your own cup of coffee instead of grabbing a latte on your way to work; eating in instead of dining out; clipping coupons; and more, but here are a couple other ways you can get a better handle on your finances.

  52. April 5, 2011

    Earth day is right around the corner and the non-green people are definitely missing out on some of the benefits of being a little earth friendly.

  53. March 24, 2011

    Summer is right around the corner and vacation season is almost here! Summertime also brings landscape and construction projects or perhaps even a new home! If any of these are in your future summer plans, you'll need to have a payment course of action.

  54. December 28, 2010

    CreditSoup will inform you of money saving tips, ways to improve your credit, which credit cards will provide the best rewards options, which insurance provider has the best auto insurance rates, etc...

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