I make virtually all of my daily purchases using one of my rewards credit cards. It might be filling my car up with gas or buying a bag of chips at work from the vending machine that accepts credit cards. If you have been using cash then you need to put it back in your wallet. We are going to spend money so why not get rewarded by using a miles/points earning credit card?
I, like many of my fellow twenty-somethings, have student loans. And while it's not necessarily required for me to start paying these pesky things back quite yet (I'm still in school until December), I've taken it upon myself to embrace adulthood and do the mature thing: be more responsible about my finances.
Over the past few years one of the best and most effortless ways to manufacture spend for rewards on your credit card has been with Amazon Payments. You have been able to send friends and family up to $1,000 each month at no cost. That means it's been an easy 12,000 miles or points each year. As of October 13, 2014, Amazon Payments will no longer allow you to send money for free.
One of life's largest expenses is putting fuel in the tank, both your tank and your car's. For those of us tied to our cars, gasoline is a necessary weekly purchase, and puts a real dent in our take-home pay. And, food is something we all must buy. Luckily, there are a few credit card products out there that can save you money at the pump and grocery store(and they aren't the ones you'd expect).
Many people working today aren't as focused as they should be on retirement savings. Before the Great Recession hit, the US savings rate was at 2.5%. It's rebounded a bit now, to 4.1%, but still well below the 10% rate we saw four decades ago. If you have some extra cash lying around, and haven't been saving as much as you should, this guide should give you an idea on where it should go.
If you're reading this, I'm sure you've heard all the noise about Apple's newest products like the iPhone 6, 6 Plus, and the Apple Watch. While these new products are very exciting, I'm most excited for Apple's announcement about Apple Pay, which finally makes use of NFC technology in your iPhone 6 and Apple Watch to attempt the impossible: replace your wallet.
Every few years, car lovers rejoice when their favorite models are redesigned and improved. Like new cars, new formulas used to create credit scores are also released every few years, and the latest version of the FICO credit scoring formula has the personal finance world abuzz.
With student loan debt soaring and the high cost of tuition, it’s safe to say that finances is on every college student’s mind. As every semester rolls around, it’s that time again for planning your schedule, paying tuition, and of course, buying your textbooks.
Choosing where to attend college is, for many, the first major choice of one's adult life. For grades preschool through 12, most are sent to public schools determined by location or shepherded to private schools of their parents' choice.
In my post-college years, I've reflected on my four years at school as my formative years because it forced me to learn how to live on a tight budget.
Ok, tight budget might be selling it short. I was straight-up poor. My low point was doing an entire load of laundry in the bathroom sink of my sophomore year dorm room. My roommate wasn't thrilled when our room became my personal clothesline to dry them, but I must say, they came out (mostly) clean.