SavingĀ & Spending

Thirteen Scary Ways to Waste Money

by Carrie Schwab-Pomerantz
October 26, 2016

No matter how on top of your finances you are, certain money wasters can creep up on you. This Halloween, watch out for these thirteen.
Credit and Debt: Ten Questions Everyone Should Answer

by Carrie Schwab-Pomerantz
October 19, 2016

Credit is a powerful and convenient financial tool, but only if you know how to keep it under control.
It's Open Enrollment Time. Should You Open an HSA This Year?

by Carrie Schwab-Pomerantz
October 12, 2016

Opening a Health Savings Account (HSA) can be a good healthcare move—as well as a potential retirement savings boost.
Five Ways to Prepare for a Financial Emergency

by Carrie Schwab-Pomerantz
October 05, 2016

Having an emergency fund is only the first step in planning for an unexpected financial difficulty.
Got Grandkids? Want to Help Them Learn Good Money Habits?

by Carrie Schwab-Pomerantz
September 14, 2016

As a grandparent, helping grandkids learn good financial habits may be a more valuable gift than giving money.
Is Your Teen Financially Fit?

by Carrie Schwab-Pomerantz
August 24, 2016

Kids want to learn about money management and it's pretty much up to us parents to teach them. Here's how.
Can Money Make You Happy? Three Things to Think About.

by Carrie Schwab-Pomerantz
August 17, 2016

Money itself may not make us happy, but how we view it, spend it and share it can make a big difference in our lives.
Making Money Through a Rideshare Service Is About More Than Driving

by Carrie Schwab-Pomerantz
July 27, 2016

When you’re driving for a rideshare service, you’re running your own business. Have a plan before you get behind the wheel.
Top 10 Financial To Do's for Today's Grads

by Carrie Schwab-Pomerantz
June 15, 2016

Graduation is an important milestone to mark the beginning of a new life—and new financial responsibilities.
What's The Best Way to Invest for Your Grandchildren's College Education?

by Carrie Schwab-Pomerantz
May 25, 2016

Investing on behalf of your grandchildren is a wonderful—and generous—idea. But choosing the right investment account demands some thought.
Mindful Spending Part 4: Putting It All Together

by Carrie Schwab-Pomerantz
May 18, 2016

Mindful spending starts with awareness of expenses and goals. Now put them together for ongoing financial health.
Mindful Spending Part 3: What Are Your Top Three Financial Goals?

by Carrie Schwab-Pomerantz
May 11, 2016

Building wealth is as much about zeroing in on your dreams as it is about saving and investing.
Mindful Spending Part 2: Do You Know How Much You Spend per Month?

by Carrie Schwab-Pomerantz
May 04, 2016

If you're like most people, you pay a lot of monthly bills without thinking. Now's the time to pay attention!
Mindful Spending Part 1: Do You Know Where Your Money Is Going?

by Carrie Schwab-Pomerantz
April 27, 2016

If your spending is out of control and you're feeling stressed, here's a good antidote. And it's relatively easy!
Should You Consolidate Your Student Loans? Important Things to Consider.

by Carrie Schwab-Pomerantz
February 10, 2016

Consolidating student loans can make life simpler, but there are more factors to consider before making a decision.
Couples and Credit Scores: Is It a Match?

by Carrie Schwab-Pomerantz
February 03, 2016

Keeping your credit score high is important for your financial life—and maybe also for your love life.
Should you refinance your mortgage?

by Carrie Schwab-Pomerantz
January 20, 2016

Rising interest rates may have you thinking about refinancing your mortgage but there's a lot more to consider.
What's a Financial Plan, and Do You Need One?

by Carrie Schwab-Pomerantz
January 06, 2016

A financial plan isn't only for the wealthy. It’s a great roadmap for anyone wanting to give their finances a solid sense of direction.
10 Financial Resolutions for a Brighter New Year

by Carrie Schwab-Pomerantz
December 23, 2015

Resolved to be in better financial shape next year? Here are 10 easy-to-keep resolutions to get you started and keep you on track.
If You Become Incapacitated, Will Your Family Know What to Do?

by Carrie Schwab-Pomerantz
December 16, 2015

The idea of dementia is hard to contemplate. But it's even harder for everyone if you never bring up the subject. 
How Can a Teenager Begin to Invest?

by Carrie Schwab-Pomerantz
November 18, 2015

Help a young person get started investing now and they'll thank you for years to come. Here's how.
Does an Ex-Spouse Qualify for Survivor Benefits?

by Carrie Schwab-Pomerantz
November 04, 2015

There are three basic qualifications for ex-spouse survivors' benefits. But there's even more to consider.
Taking Social Security at 62: Is It a Good Idea?

by Carrie Schwab-Pomerantz
October 14, 2015

Taking Social Security early is always an option—but it could cost you in the long run.
Saving for Your Child's Future? Define That Future.

by Carrie Schwab-Pomerantz
October 07, 2015

Saving for a child is a great idea but before opening an account, you need to think about your ultimate goal.
It's Open Enrollment. HSA vs. FSA—What's the Difference?

by Carrie Schwab-Pomerantz
September 30, 2015

Open enrollment is a great time to plan for health care costs and get a tax break, too. Don't ignore it! 
Will Debt Derail Your Retirement?

by Carrie Schwab-Pomerantz
September 23, 2015

Retired or not, your debts have to be paid. Best to come up with a realistic repayment plan ahead of time.
Social Security Strategies for Spouses: Do You Know Your Options?

by Carrie Schwab-Pomerantz
September 16, 2015

Want to maximize your Social Security benefits? If you're married, there's more than one way to do it.
Retirement Cash Reserves: What About a HELOC?

by Carrie Schwab-Pomerantz
September 02, 2015

A HELOC is great to cover the unexpected, but when it comes to retirement cash reserves, you need to plan ahead.
Filing for Ex-Spouse Social Security Benefits—Does Your Ex Have to Be Involved?

by Carrie Schwab-Pomerantz
August 19, 2015

If you qualify for SS benefits based on your ex's work record, it's a matter of age and timing—not communication.
Can You Spend Money on Fun Without Feeling Guilty?

by Carrie Schwab-Pomerantz
August 12, 2015

Saving for the future is important but so is enjoying today. Learn to budget for financial security—and for fun.
This Is What Marriage Equality Looks Like—For Your Finances

by Carrie Schwab-Pomerantz
August 05, 2015

Now that the Supreme Court has legalized same-sex marriage nationwide, it's essential for new couples to familiarize themselves with the financial benefits of marriage. 
Should You Care About Rising Interest Rates?

by Carrie Schwab-Pomerantz
July 29, 2015

Will rising interest rates affect you personally? If you're a saver, a borrower or an investor—absolutely.
Social Security Questions: Where Can You Get Good Advice?

by Carrie Schwab-Pomerantz
July 08, 2015

Getting ready to contact the Social Security Administration? Don't expect them to give you financial advice.
Welcome to the Real World: Personal Finance Tips for New Grads

by Carrie Schwab-Pomerantz
June 24, 2015

Your child has graduated, but there's one more class he or she needs to take: Personal Finance 101.
Need to Adjust Your Financial Attitude? Start Here- Now!

by Carrie Schwab-Pomerantz
May 20, 2015

Getting a handle on spending and saving means changing your attitude as well as your behavior. Take these steps.
How Much Should You Be Saving?

by Carrie Schwab-Pomerantz
April 29, 2015

Everyone knows it's important to save. But how much? That depends on your goals and how long you have to reach them.
Social Security: Should You Wait Until Age 70 To Collect?

by Carrie Schwab-Pomerantz
March 25, 2015

While waiting to collect Social Security means a bigger monthly check, that's not the only thing to consider.
Cash or Credit-- Which is the Smarter Way to Pay?

by Carrie Schwab-Pomerantz
January 21, 2015

Credit card perks are alluring, but you may get a savings bonus when you pay for everyday purchases with cash.
10 Resolutions for a Happy Financial New Year

by Carrie Schwab-Pomerantz
December 31, 2014

Need fresh financial motivation for 2015? Here are 10 resolutions to get you on the path to a financially secure future.
Holiday Spending Worries? Generosity Doesn't Always Come With a High Price Tag

by Carrie Schwab-Pomerantz
November 26, 2014

With a little creative thinking, you can extend your generosity this holiday season without spending a fortune
What Will You Do for Giving Tuesday?

by Carrie Schwab-Pomerantz
November 19, 2014

Giving Tuesday is an international movement of charitable giving. Here's how you can join in.
Should You Be Debt-Free Before You Retire?

by Carrie Schwab-Pomerantz
November 12, 2014

Being debt free before you retire can be a smart goal. But you have to look at your bigger financial picture.
13 Ghastly Money Mistakes That Could Come Back to Haunt You

by Carrie Schwab-Pomerantz
October 22, 2014

Avoid these money mistakes to help keep the ghost of past decisions from spoiling your financial future.
How Financially Savvy Is Your Teenager?

by Carrie Schwab-Pomerantz
September 03, 2014

Teens may feel grown up, but when it comes to managing money they still have an awful lot to learn.
Got Kids in Grade School? Start Their Financial Education Now!

by Carrie Schwab-Pomerantz
August 27, 2014

A new school year is exciting. Use it as a chance to ge them on the path to financial literacy.
Buy or Rent? And Where to Park Your Down Payment until You Decide?

by Carrie Schwab-Pomerantz
July 02, 2014

Deciding to buy or rent is a big decision. So is deciding what to do with your down payment in the meantime. 
What's On First—Paying Off Student Loans or Saving for Retirement?

by Carrie Schwab-Pomerantz
June 18, 2014

Don't let student loans jeopardize your future. Strike a balance now between paying back debt and saving.
Social Security Basics—Five Things to Think About Before You Apply

by Carrie Schwab-Pomerantz
April 30, 2014

Are you maximizing your Social Security benefits? Here's what you should know before you apply. 
9 Money Myths Exposed: Do You Know the Truth?

by Carrie Schwab-Pomerantz
April 16, 2014

Don't fall victim to common money myths and misconceptions. You can improve your financial reality by getting the truth.
Spring Cleaning Tips to Put Your Financial House in Order

by Carrie Schwab-Pomerantz
March 05, 2014

Are your financial resolutions gathering dust? Refresh your finances with these easy spring cleaning tips.
Do You Know Enough About Your Family Finances?

by Carrie Schwab-Pomerantz
February 12, 2014

Even if your spouse is calling the shots financially, it's essential that you know the game plan. 
Valentine's Day: Can You Be Romantic on a Budget?

by Carrie Schwab-Pomerantz
February 05, 2014

If you're worried about your Valentine's Day budget, get creative. It can be just as much fun to be frugal. 
What's the Best Retirement Plan for Your Small Business?

by Carrie Schwab-Pomerantz
January 29, 2014

Own a small business? Don't miss out on these opportunities to save more for retirement and decrease taxable income.
Can You Save for a Vacation Without Blowing Your Budget?

by Carrie Schwab-Pomerantz
January 08, 2014

Even if money is tight, you can realize your travel dreams—with systematic savings and a little creativity.
Looking for the Perfect Gift This Season? Consider a Charitable Donation

by Carrie Schwab-Pomerantz
December 04, 2013

If the stress of gift giving is getting you down, a charitable donation in someone's name can be the perfect fit.
If One of You Makes More, Can You Still Be Financial Equals?

by Carrie Schwab-Pomerantz
November 27, 2013

Financial equality isn't just about money. It's also about the way you handle financial changes as a couple. 
Got Kids? Make Life a Little Easier With This Financial Checklist

by Carrie Schwab-Pomerantz
October 30, 2013

Raising kids is expensive, but being financially prepared isn't just about money—it's about planning ahead.
10 Scariest Money Mistakes-- Don't Be Tricked!

by Carrie Schwab-Pomerantz
October 23, 2013

Avoid these mistakes now to help build a more financially secure future.
Student Loans: Things to Consider Before-- and After-- You Borrow

by Carrie Schwab-Pomerantz
October 09, 2013

Student loans can mean future opportunity—or a heap of financial trouble. Weigh the pros and cons before you sign.
Can Middle Schoolers Learn to Make Smart Money Choices?

by Carrie Schwab-Pomerantz
September 11, 2013

Learning about money is a hands-on experience. Give your kids financial responsibility and the lessons will follow.

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