Schwab MoneyWise ®

Ask Carrie: Saving and Spending

Are You Prepared for a Financial Emergency?

by Carrie Schwab-Pomerantz
August 21, 2019

Millions of Americans are unprepared for a financial emergency. Carrie provides clear-cut advice for creating a safety net.
10 Steps to a DIY Financial Plan

by Carrie Schwab-Pomerantz
August 07, 2019

A financial plan doesn't require that you have a lot of money—and it doesn't have to cost you a penny.
Is It Time to Declutter Your Finances?

by Carrie Schwab-Pomerantz
July 31, 2019

Closing financial accounts you no longer need can be a good idea—but take special care with credit cards.
Is Social Media Ruining Your Finances?

by Carrie Schwab-Pomerantz
July 17, 2019

Is social media causing you to spend more than you can afford? Don't fall for FOMO.
A Millennial Asks: Is an HSA a Good Deal?

by Carrie Schwab-Pomerantz
July 03, 2019

For a young person, opting for an HSA has benefits that go beyond health insurance.
Is Your Wedding Your Top Financial Goal?

by Carrie Schwab-Pomerantz
June 19, 2019

A wedding is a magical day, but it can also be a big investment. How does it fit in with your other financial goals?
Top 10 Financial To-Dos for Today's Grads

by Carrie Schwab-Pomerantz
June 05, 2019

Graduation brings new freedoms but also new responsibilities—especially when it comes to money. Are you ready?
2019 Modern Wealth Survey Results Are In. How Do You Stack Up?

by Carrie Schwab-Pomerantz
May 29, 2019

The Schwab 2019 Modern Wealth Survey gives insights into how Americans view—and manage—wealth. Where do you fit in?
What Do Military Vets Need to Know About Their Finances?

by Carrie Schwab-Pomerantz
May 22, 2019

Veterans can face significant financial challenges as they return to civilian life. Here are suggestions for a secure financial future.
Launching a Student After College

by Carrie Schwab-Pomerantz
May 07, 2019

How can you help a new grad attain financial independence?
Are You Fooling Yourself When It Comes to Money?

by Carrie Schwab-Pomerantz
March 27, 2019

This April Fools' Day make sure you're not making some common—but foolish—money mistakes.
10 Financial Resolutions to Make—and Keep—Year After Year

by Carrie Schwab-Pomerantz
January 02, 2019

Do you make the same financial resolutions every year? When it comes to your money, that may be a good thing!
Millennials on FIRE: The Frugality Movement That’s Gaining Steam

by Carrie Schwab-Pomerantz
November 09, 2018

Some young people are embracing extreme savings methods in exchange for financial independence.
What's the Best Way to Invest Money Gifts for a New Baby?

by Carrie Schwab-Pomerantz
August 01, 2018

When investing money for a new baby, let your goals be your guide.
How Can I Explain the Power of Compound Interest to My Teen?

by Carrie Schwab-Pomerantz
July 25, 2018

When it comes to explaining compound interest, the numbers speak for themselves.
Mother's Day Tips for Teaching Your Kids about Money

by Carrie Schwab-Pomerantz
May 09, 2018

Moms play a lot of roles and financial coach should be one of them. Here are tips on how to do it.
Is Keeping Your Car Worth the Cost?

by Carrie Schwab-Pomerantz
April 30, 2018

Ditching one of your cars can save you money but there are trade-offs to consider before tossing away your keys.
Women and Money: Why It's Important to Take Control of Your Finances

by Carrie Schwab-Pomerantz
March 05, 2018

Financial independence is a great equality booster. Take steps now to take charge of your finances—and your life.
Can Middle Schoolers Learn to Make Smart Money Choices?

by Carrie Schwab-Pomerantz
January 31, 2018

Learning about money is a hands-on experience. Give your kids financial responsibility and the lessons will follow.
Ten Simple Steps for Financial Success in the New Year

by Carrie Schwab-Pomerantz
January 03, 2018

It's great to have plans for 2018. It's even better to set a financial foundation so you can make them a reality.
Is It Better to Rent or Buy?

by Carrie Schwab-Pomerantz
December 20, 2017

Think you're ready to buy a home? Remember, it's as much an emotional decision as a financial one.
Tips for Finding Financial Advice

by Carrie Schwab-Pomerantz
November 15, 2017

Finding the right financial advice takes some in-depth thinking and research. Start here.
This Halloween, Don't Let These 10 Common Money Mistakes Creep Up On You!

by Carrie Schwab-Pomerantz
October 18, 2017

These 10 money mistakes are all too common. This Halloween, watch out!
Are You Prepared to Switch from Full-Time Job to Full-Time Parenthood?

by Carrie Schwab-Pomerantz
August 23, 2017

Deciding to leave your job to be a full-time parent has emotional as well as financial implications. Be prepared.
How Do You Define Wealth?

by Carrie Schwab-Pomerantz
July 12, 2017

Is wealth a number or an attitude? Whatever your definition, you need to stay on top of what you have.
Just Starting Out? Take These Seven Steps Toward Financial Independence.

by Carrie Schwab-Pomerantz
June 28, 2017

Financial independence is a long-term effort but it starts right now with a few important steps.
Worried About Student Loan Debt? You’re Not Alone.

by Carrie Schwab-Pomerantz
June 07, 2017

When it comes to financial concerns for today's grads, student debt tops the charts. Here's what you can do about it.
Independent Contractors: Is Your Money Working as Hard as You Are?

by Carrie Schwab-Pomerantz
May 24, 2017

As an independent contractor, you're not only your own boss—you're your own CFO. And there's a lot to think about.
Are You Financially Ready to Hit the Road?

by Carrie Schwab-Pomerantz
May 10, 2017

A little pre-planning can help keep your dream vacation from becoming a financial nightmare.
What Financial Lessons Did You Learn From Your Mother?

by Carrie Schwab-Pomerantz
May 03, 2017

Whether or not you realize it, you're teaching your kids about money every day. Here's how to help make it count.
What's the Best Use for a Bonus?

by Carrie Schwab-Pomerantz
April 05, 2017

Should you spend or save your bonus? With a little thought and planning, you can do both.
Ten Common Money Wasters—Don't Be Fooled!

by Carrie Schwab-Pomerantz
March 29, 2017

Just like an April Fools’ Day prank, these 10 common money wasters may take you by surprise. Don't be fooled!
You're Ready for That First House—But Can You Afford It?

by Carrie Schwab-Pomerantz
March 15, 2017

There are rules of thumb for how much house you can afford, but there's a lot more to consider.
Could Your Financial House Use Some Spring Cleaning?

by Carrie Schwab-Pomerantz
March 08, 2017

Overwhelmed by financial clutter? A little spring cleaning now could save you time and money later.
What Does Love Cost?

by Carrie Schwab-Pomerantz
February 08, 2017

Love and money go hand-in-hand. Get tips on handling finances at three crucial points in your love life.
Millennials, Fire Away: What's Your Financial Question?

by Carrie Schwab-Pomerantz
February 01, 2017

No question is too simple or embarrassing to ask. The answers to ALL of your financial questions are worth seeking and understanding.
Worried About Your Wallet? Here's How to Protect Your Finances in Uncertain Times

by Carrie Schwab-Pomerantz
January 25, 2017

In times of uncertainty, you can prepare yourself by sticking to some time-tested basics of money management.
Seven Quick Tricks to Set Yourself Up for Financial Success

by Carrie Schwab-Pomerantz
January 18, 2017

Are your financial resolutions already a thing of the past? Try these seven tricks to get on track—and stay there.
Are You Ready for a Financially Healthy 2017?

by Carrie Schwab-Pomerantz
January 11, 2017

Need to detox your finances? This 30-day program can lead to lifelong financial health. Try it.
From Our House to Yours: Financial Lessons for Today's 20-Somethings

by Carrie Schwab-Pomerantz
December 21, 2016

Experience is often the best teacher, so here are some real-life financial lessons to share with today's 20-somethings.
The Perennial Question: How Can You Balance Essentials and Extras?

by Carrie Schwab-Pomerantz
November 30, 2016

You can focus on future financial security while still enjoying today—as long as you do it consciously.
What Will You Do for Giving Tuesday?

by Carrie Schwab-Pomerantz
November 23, 2016

Giving Tuesday isn't just about donating money; it's about a commitment to helping others. Will you join in?
Mindful Spending: Can You Resist the Black Friday Hype?

by Carrie Schwab-Pomerantz
November 15, 2016

Don't let Black Friday put you in the red. Stay within your spending limits by being thoughtfully generous.
The Case for Financial Education

by Carrie Schwab-Pomerantz
November 02, 2016

In an increasingly complex financial world, the need for financial education is undeniable.
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.
Women and Money: Are You in Control of Your Finances?

by Carrie Schwab-Pomerantz
September 28, 2016

Historically, women have been less engaged in managing their finances. It's time to rewrite that history.
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.
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!
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.
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!
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.
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.
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.
Seven Potential Costs of Owning a Home that Should Factor Into Your Budget

by Carrie Schwab-Pomerantz
March 04, 2015

You've got the down payment and mortgage covered—but have you budgeted for the extra costs of owning a home? Here are seven to definitely consider.
Money Management Tips For Couples Merging Households

by Carrie Schwab-Pomerantz
February 11, 2015

You're emotionally ready to move in together, but what about financially? Share your money concerns before sharing an address.
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.
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.

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