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Personal Finance

Staying on top of your personal finances is easier said than done. Expand your financial education by learning more about budgeting, debt management, personal financial planning, college funding, career changes, inflation, tax deductions, divorce finances and much more.
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An older man and woman discussing budgeting for couples

Budgeting for Couples: 5 Things to Consider

Budgeting together as a couple now can help you lay the groundwork for a solid financial future.
A couple reviews their financial resolutions together at home

4 Ways to Check In on Your Financial Resolutions 

If you set financial resolutions at the start of the year, here are some ideas for how you can check in on them and help yourself stay on track. 
Mature couple looking at computer and considering refinancing their home

4 Things to Consider Before Refinancing Your Home

When it comes to refinancing your home, you may have a lot of questions. Here are some considerations before starting the process.
Young man and woman talking about personal finance in your 20s

Guide to Personal Finance in Your 20s

Your 20s can bring some big life changes. Looking at your personal finances now might help you plan for the future.
Mother and father with toddler: a mix of liquid vs. non-liquid assets can help a family's finances

Liquid vs. Non-Liquid Assets: What's the Difference?

Understanding the difference between liquid and non-liquid assets may help you build diversified wealth to serve your needs.
A happy couple sits in their new home after using IRA to buy first home

Can You Use Your IRA to Buy Your First Home? 

Here's an overview of what to consider before using your IRA to buy your first home. 
New mom holding baby kitchen 5 financial mistakes new parents make and how to avoid them

5 Financial Mistakes New Parents May Make & How to Avoid Them

New parents are often faced with a wide array of concerns, but financial mistakes don't have to add to their list of worries.
A young man walking down the street on his phone and contemplating what to do when you lose your job

What To Do When You Lose Your Job: 5 Financial Considerations

These five financial considerations may help you adjust to a temporary loss of income.
mother comforts young daughter and considers a financial planning checklist as they grieve loss of father

What to Consider After the Loss of a Spouse

There are steps you could take to help keep your finances on track after the loss of a spouse, which could help you cope during this difficult time.
Older man walking with dog through woods thinking about finances as a widower

Financial Planning for Widows & Widowers: 5 Considerations

Coping with the loss of a spouse is hard, but these tips for financial planning for widows and widowers may help. 
Two elderly women looking at each other smiling and talking about age-related cognitive decline

3 Ways to Financially Prepare for Age-Related Cognitive Decline

Most seniors can manage their money as they get older, but age-related cognitive decline could affect their ability to handle their finances.
Daughter playing a block stacking game with parents after discussing personal finance basics

A Guide to Personal Finance Basics

A foundational understanding of finances can help you manage your money more efficiently.
Man researching types of payroll deductions at home over coffee

Types of Payroll Deductions & Withholdings

Here are some of the common payroll deductions and how they can affect your take-home pay.
A woman tracks her latest purchase on her smartphone in a boutique: money-saving strategy

Money-Saving Strategy: The 30-Day Track Everything Challenge

This money-saving strategy could be a useful way to gain a deeper understanding of your spending habits, which may help you get on track financially.
Family at dinner discussing new years financial resolutions

5 New Year's Financial Resolutions

As the year comes to a close, now is the time to start thinking about your New Year's financial resolutions.
Man standing in a mall holding gift backs while holiday shopping on a budget

5 Considerations When Holiday Shopping on a Budget

From doing a potluck holiday party to paring down your list, here are some ways to potentially cut down on spending when shopping for the holidays.
Young couple reading through mortgage terms to understand mortgage basics

Mortgage Basics 101: What to Know

If you're wondering how a mortgage works, here is some information to keep in mind. 
Woman shopping for groceries in order to save money on a tight budget

10 Ways to Save Money on a Tight Budget

Finding room in your budget for savings can be challenging. Here are 10 tips to help you save money even when money is tight.
Mother hugging and supporting adult children

Can Supporting Adult Children Hurt Your Retirement?

Supporting adult children is a generous and loving gesture, but you may want to consider how it could affect your retirement.
Father son helping protect parents from elder financial abuse and fraud

Helping to Protect Parents From Elder Financial Abuse & Fraud

Here are some practical tips on helping to protect your aging parents from elder financial abuse and fraud.
Bride and groom hugging family after successfully figuring out how to save for a wedding

How to Save for a Wedding: Helping Your Child Pay for the Big Day

Even if your child's wedding bells are many years away, it may be a good idea to plan ahead if you want to help pay for the happy day. 
family inside of first home they bought after exploring these types of tax benefits

Exploring the Types of Tax Benefits Available at Each Life Stage

Different types of tax benefits become available to you at major life stages and may help you save money.
Portrait of senior man on the bridge, looking thoughtfully and thinking about declaring bankruptcy

What Is the Process for Declaring Bankruptcy?

Here is some information on the process for filing for bankruptcy, and its potential impact on your finances.
young man researching furthering his personal finance education

How to Get Your Finances in Order & Stay Organized

If you want to better your personal financial education, consider these three steps to becoming more financially organized and savvy.
Retired man playing guitar for his wife: paying off debt before retirement

Paying Off Debt Before Retirement: What to Consider Getting Off Your Financial Plate

Your retirement years should be a time to relax and enjoy life rather than worry about paying off debt. Here's what to consider before you retire.
Mother reading with her daughter at home and thinking about how much does it cost to raise a kid

How Much Does It Cost to Raise a Kid ?

Here's a breakdown of the costs you can potentially expect when raising a child.
Man drinking coffee in a robe in his hotel room, enjoying a financial windfall during a vacation

What to Do When You Receive a Financial Windfall

Considering some of the implications of a sudden influx of cash can help you spend or invest it wisely.
Back-to-school scene with mother saying goodbye to daughter on the first day of classes

Simplifying Back-to-School Shopping & Your Summer Budget

Back-to-school shopping already looming? Check out these budget tips for dealing with fall-semester must-haves. 
Woman deciding what a budget looks like and writing it down

What Does a Budget Look Like?

Are you ready to start budgeting? Every budget is unique but here are a few tips to consider as you put together a plan to fit your needs.
Woman walking on a beach and wondering how to improve your finances

How to Improve Your Finances

Are you looking to improve your finances this year? Here are some tips that may help.
mother standing with son and daughter discussing leaving home

Children Leaving Home: Helping Your Kids Prepare to Move Out & Be Financially Secure

If you need to have a conversation with your child about moving out, here are some tips to guide you and help you set them up for success.
teens baking in the kitchen discussing money management

Money Management for Teens: Important Lessons to Teach Your Kids

Teaching your teen about money management now, when there's more room to learn from mistakes, could help set them up for financial success. 
Woman standing in front of a tree and thinking about starting a rainy day fund

What Is a Rainy Day Fund?

How does a rainy day fund differ from an emergency fund and how you can you start saving for one? Here are the basics.
Adult children having the "aging parents and finances" talk with their parents over dinner

Aging Parents & Finances: Having the Retirement Conversation

A few small conversations now can make a big difference as you help your parents transition into retirement.
Woman researching apps on her smartphone for personal financial planning.

Personal Financial Planning: The Importance of Reviewing Your Finances Regularly

Your personal financial planning can greatly benefit from regular reviews. Here's how to get started.
Smiling older couple calculating their tax deductions while filing their taxes from home

Understanding the Role of Tax Deductions

What is adjusted gross income? And what does it mean to itemize? We cover basics of income tax deductions.
Woman drinking coffee and looking out of her window after conducting a personal finance review

How to Conduct an End-of-Year Personal Finance Review

A personal finance review can give you insight into your financial performance over the year — and help prepare you for the start of the next one.
managing digital life after death for people with social media accounts, like the woman pictured

Digital Life After Death: Loved Ones' Social Media Accounts

Social media management is an emerging aspect of estate planning. Will you "memorialize" your accounts or delete them?
group of students who know how to reduce student loan debt by graduating on time and within budget

How to Reduce Student Loan Debt & Graduate in Four Years

Careful budgeting and filling your course load are just two of many ways to help you graduate on time and potentially reduce your student loan debt.
A happy man filing his taxes on a laptop

How to Help Prevent Tax Identity Theft & What to Do If You're Affected

This article defines tax identity theft, and offers tips on how to help avoid it and how to respond if it happens. 
Pregnant mother doing yoga with her son on the lawn after budgeting for a second child

Budgeting for a Second Child & Beyond

Consider these tips when you're ready for a new addition to your family — whether it's your second, third or beyond!
husband and daughter of older woman in hospital all discuss planning a funeral service ahead of time

Planning a Funeral Service for a Loved One: Memorial, Graveside or Veteran's Service

Planning a funeral service for a loved one involves choosing the type of service — and can underscore the importance of final arrangements.
two young women buy clothes with credit card and know the importance of establishing good credit

Establishing Good Credit When You're Young

Building good credit can help save you money throughout your lifetime. Here are some ways to get a healthy start in your twenties.
happy mother, father, son and daughter discuss managing family finances on the couch at home

Managing Family Finances: Getting Your Spouse & Children on Board

Do you or your partner manage the majority of your family finances? Here's why clear, balanced roles matter, and how to start talking about them.
happy mother at home holds her child she adopted with financial help from the adoption tax credit

The Adoption Tax Credit & Other Benefits for the Adoption Process

Adoption can be costly — but that doesn't have to stop your parenting plans. Here are some tips to maximize the available benefits.
Woman researching funeral planning

Planning a Funeral for a Loved One: Burial vs. Cremation

Here's how you might approach the decision between burial and cremation following the death of a loved one.
middle-aged couple speaks to real estate agent about pros and cons of selling versus renting their home

Selling vs. Renting Your Home: Pros & Cons to Consider

As a homeowner, it can be challenging to decide between selling your home or renting it out. Explore the pros and cons of both options.
young couple carries a sofa into the living room of their new house as they discuss managing debt

Managing Debt: The Good, the Bad & How It Fits In With Your Goals

As it turns out, not all debt is bad. But how do you know the difference? Here are some tips.
male college student sits on a couch at home and uses tablet computer for managing student loan debt

Managing Student Loan Debt to Keep It From Managing You

Student loan debt can seem like an insurmountable barrier — but it doesn't have to be. Here are some tips to help you manage this debt effectively.
young couple signs paperwork for their first home with realtor and celebrates their SMART goal setting

SMART Goal Setting: Can Being SMART Help You Reach Your Financial Goals?

Explore how specific, measurable, achievable, results-focused and time-sensitive (SMART) goals could help you reach your financial goals.
father plays with his son outside in fall and plans a financial checklist for his single-parent finances

Single-Parent Finances: A Financial Checklist for Moms & Dads

As a single parent, chances are you have many concerns running through your mind all day long — but your finances don't have to add to your worries.
graphic outlines and illustrates various life stages and how to financially prepare for them

Which Life Stage Are You Preparing for Financially?

Life stage planning is important — discover the different life stages and what financial strategies to consider as you go through each life stage.
daughter cares for her mom in a wheelchair at home and wonders about ways of coping as a caregiver

Coping as a Caregiver: 4 Ways to Care for Yourself

As a caregiver, you may sometimes feel like you have nothing left to give at the end of the day. However, it's important to take care of yourself too.
young girl outside kisses her mother, who cares for her daughter with special needs planning

Special Needs Planning: How to Financially Protect Your Loved One

Learn how you could financially protect your special needs relative — and why now could be a good time to start planning for tomorrow.
mature couple completes a form online at home to get a vial of life kit in case of a medical emergency

What Is a Vial of Life Kit & Do You Need One?

A Vial of Life kit may make all the difference during a medical emergency. Learn how a Vial of Life kit works.
mother hugs her two young children outside and thinks about finances after the loss of a loved one

How to Handle Your Finances After the Loss of a Loved One

Learn how you could manage your finances after the loss of a spouse. This knowledge could help you move forward with courage.
mature bride and groom smile on their wedding day, thankful to receive second marriage financial advice

Second Marriage Financial Advice: Considerations Before Tying the Knot Again

Are you heading down the aisle a second time? It might be a good idea to consider your finances, including prenuptial agreements and more.
single female at home reviewing her divorce finances

Divorce Finances: How to Help Secure Your Financial Future

Money may be a top concern if you are going through a divorce, but there are things you could do to help secure your financial future.
mature female student raises her hand in class after making a career change and returning to school

Making a Career Change? What to Consider Before Returning to School

Going back to college may be necessary for a career change, but there are many things to think about first. Get ready to hit the books!
Couple discussing finances how tackle credit card debt greater financial health

How to Tackle Credit Card Debt for Greater Financial Health

Getting out of credit card debt can take some effort, but it's possible. Here are some tips that could help you reach greater financial health.
fit senior couple listens to music with earbuds and stretches before a run as part of staying healthy

Could Staying Healthy Help You Save Money?

You know an apple a day keeps the doctor away, but did you know staying healthy has many financial benefits too?
Woman freelancer working on laptop while sitting at the window in a coffee shop: irregular income

Navigating an Irregular Income: Money Management for Freelancers

Being a freelancer can have its advantages, but managing an irregular income can be difficult. Learn how you could get your money in order.
Couple viewing home with agent will you hire a real estate agent

Will You Hire a Real Estate Agent?

You've likely thought about your dream home — but have you given any consideration to your dream real estate agent?
woman practices yoga pose outside as stress reduction to improve her long-term health

5 Stress Reduction Strategies for Improved Long-Term Health

For many people, modern life is full of stress. So, how can you keep that stress from impacting your health? Here are five common strategies.
bride and groom smile at each other as they walk down the aisle and reflect on marriage and finances

Marriage & Finances: Will You Merge Your Money After Saying 'I Do'?

First comes love. Then comes the "money talk." Learn how to tie your finances together after tying the knot.
man surprises woman with engagement ring and plans financial conversations to have before marriage

5 Financial Conversations to Have Before Marriage

Here are five of the most important financial conversations to have before tying the knot — from discussing debt to setting a joint budget.
Family with newborn baby budgeting for a baby

Budgeting for a Baby: A Financial Planning Checklist for New Parents

Are you expecting the stork to pay you a visit sometime soon? Learn how you could get your finances in order before he drops off your new arrival.
couple sits by boxes inside new house and delights in buying their first home as woman holds the key

5 Smart Steps to Buying Your First Home

From getting pre-approved for a mortgage to making an offer and beyond — here are five steps that could help make your homeownership dream a reality.
mature couple leaves shore to kayak and commits to staying financially fit in their 50s, 60s and beyond

How to Keep Fit in Your 50s, 60s & Beyond (to Stay Financially Fit)

Start now to lock in physical fitness before retirement, helping you keep your later years healthier — with the potential for fewer health care costs.
parents carry boxes into home with daughter and balance paying off student loan debt and buying a house

Paying Off Student Loan Debt & Buying a House — How It Is Possible

It's possible to buy a house while still paying off student loan debt — provided you plan well financially and prepare for the unexpected.
young woman drinks coffee and works on her laptop inside a café to make extra money with a side job

How to Make Extra Money With a Side Job

Sometimes, saving alone isn't enough to meet your financial goals. If this is the case for you, have you considered taking on a side job?
man presents to group in conference room and considers his financial readiness for a career change

Are You Financially Ready for a Career Change?

Sometimes, life calls for a change of scenery. And like most things in life, money is an integral part of the decision-making process.
two female and three male young adults fill out job applications upon entering the workforce together

Entering the Workforce? Give Your Finances the First Promotion

Congrats on landing your first full-time job! Now, have you considered your finances? These financial tips could put you on the fast track to success.
man fills out a job application at home and plans how to adjust his financial plan after losing a job

How to Adjust Your Financial Plan After Losing a Job

Losing a job is difficult, but there are many things you could do to keep your finances on track while you plan your next career move.
husband and wife ask social worker key adoption questions at her office before beginning adoption

5 Adoption Questions to Ask Before Starting Your Journey

Adopting a child could bring so much joy to your world, but there are many things to consider first. These five questions could help you get started.
five college friends study together at a table and discuss their financial transitions of adulting

Adulting 101: How to (Financially) Transition Into Adulthood

You're finally leaving home and moving into the world of grown-ups — but have you considered your finances? Adulting 101 could help you get started.
retired couple at home researching the question: what does the average funeral cost?

What Does the Average Funeral Cost?

The average funeral cost might prompt you to think about your final wishes — and plan ahead for the expense.
middle-aged couple sits on the couch at home and reviews their personal budget on a tablet

5 Questions to Help You Master Your Personal Budget

Budgeting could be the key to meeting your financial goals. Consider these five questions that could help you master your personal budget.
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