November 4th, 2013
Let’s face it. There are more romantic conversations to have with your partner than one about finances. But the “money talk” is important to have, no matter what stage your relationship is in. Financial problems can cause tension between partners– surveys often find money is the number one reason couples argue. So how to do you know what money conversations you should be having with your partner? This really varies depending on how long you guys have been together. Here are some suggested conversations for different stages of your relationship:
When You’re Dating
In the beginning of your relationship when you are getting to know each other, focus conversations around financial habits. One conversation gaining popularity these days is the “what’s your credit score” talk. It might sound a little personal, but this question can lead to a larger conversation around money. A person’s three digit number can reveal a lot about their financial history. It can tell you if your partner is good about paying their bills on time or how much outstanding debt they may have. If you don’t know your credit score, use Credit Karma to get your credit score for free. Of course, you don’t need identical scores to be soul mates, but being open and honest about to your money habits will help when the relationship gets more serious.
December 14th, 2011
Adaptu, the money management and financial literacy site, just launched an iOS app to help you budget your finances and organize your wallet. The timing’s great, since it’s the spendiest time of the year, and Adaptu makes the bold claim that you’ll never go over budget again. The app is free and cleanly designed. If you’re already a member of the Adaptu community, downloading The Adaptu Wallet is a no brainer. If you’re not yet an Adaptu member, the app makes a compelling argument for joining.
October 21st, 2011
Have you talked to Siri yet? Beyond being your smartphone slave personal assistant, she could be the next generation’s personal finance planner in your pocket. Siri is the iPhone 4s Intelligent Assistant that stole the limelight at the iPhone 4s launch. When your hands are tied, or you’re just feeling lazy, this voice command tool can make a phone call, search the internet, and check the weather at the touch of a button.
October 20th, 2011
“How to be Rich: The Couple’s Guide to a Rich Life Without Worrying About Money” is a fresh take on the average personal finance book that weaves a story with financial advice.
Instead of throwing as many money-saving tips as humanly possible at his readers, certified financial planner Chuck J. Rylant focuses on helping consumers understand the emotions tied to financial decision-making, while also providing the basics needed to make educated choices about your money.
October 15th, 2010
Everybody and their mom has an opinion on how you should handle your personal finances. My opinion, as a young and intelligent (read: geeky) girl, is to let intelligent software tools, like various web and mobile apps, help you best manage your money.
August 23rd, 2010
The internet is like a great big digital playground, where thousands of companies debut who they are, what they do, and why they’ll make consumers’ lives better.
Since there are as many start-ups this year as you have Facebook friends, we thought we’d have a little fun reviewing a handful of financial and tech companies Twitter-style.
August 20th, 2010
For those of you prone to overspending on your credit card, MasterCard's inControl program offers the first ever "chastity belt for finances" that alerts and cuts you off from going over your pre-set budget. Is this a cardholder's new shopping conscience?
March 24th, 2010
For the price of a cup of coffee, HelloWallet will revolutionize how we think and manage our personal finances and provide everyone access to “the first independent online financial guidance service”.
Bill Clinton endorses HelloWallet, San Francisco Mayor Gavin Newsom blogged about it, and entire cities have already begun adopting it. But does HelloWallet live up to the buzz?
January 4th, 2010
The stock market jumped on the first day of trading in 2010! This good omen, triggered by commodity prices lifted by a weakened dollar and higher-than-expected manufacturing activity around the world, could signal positive economic prospects in the new year. Here’s a head-start on improving your own personal economy with a round-up on improving your personal finance and credit standing.
Personal Finance News
Top picks of financial resolutions and money management guides for 2010 from across news sites and the blogosphere:
- The 21 day financial fast will improve your money management promises The Color of Money column. Can you last that long without using your credit card and ONLY spending on necessities?
- 7 New Year’s resolutions for your career from CNN Money. Make 2010 the year to refocus on your career path.
- 8 keys to financial security from Kiplinger. Key #1: Invest in yourself!
- 10 things not to buy in 2010 reported by SmartMoney. Don’t waste your money on DVDs, gas-guzzling cars, and digital cameras, and more.
- How to fix your finances in 2010 from The Wall Street Journal. A step-by-step guide to keep you on your financial track throughout the year.
Credit Report & Credit Scores News
Is a better credit score part of your New Year’s resolution? Boost your credit with these articles on how specific actions will affect your credit score:
- Your credit score: how to improve it now and later from The New York Times.
- Before you cancel that credit card, determine the impact on your credit score from NJ.com.
- How credit inquiries affect your FICO credit score blogged by Doughroller.
- Bankrate spells out the ABCs of credit reports to help you assess your credit score, especially if you are looking into a any kind of loan this year.
- How much does your credit score matter? According to FiveCentNickel, a high versus low credit score could spell a 5% difference in interest rates for a home mortgage, and as high as a 13% difference in auto loans! Read more in Effect of FICO credit scores on loan interest rates.
December 30th, 2009
Do you think you could live happily on 75% less money? MSN Money poses this question as the Great Recession spills over into 2010 and challenges consumers to do more with less money. Is living a happier, more financially-fit lifestyle on your list of resolutions this year? Read ahead for debt reduction tips and credit card strategies to help you maximize your New Year’s money management habits.
Credit Card News
- Charge cards make a comeback in our credit crunched economy in the Wall Street Journal’s Tamer cards for toughter times.
- Another alternative to credit cards is gift cards, and MSNBC wants to make sure you know how to get full value for your gift card.
- Building an army of cashback credit cards is the best way to optimize your earning power as a savvy credit card user, advises Money Under 30.
- New credit card rules add accountability reports the Los Angeles Times, and explains how your credit card company will change once major industry reforms take effect in February.
- What is the 10 second credit limit increase? Bargaineering blogs on the quick credit line increase you might be eligible for, and also the benefits and drawbacks of upping your limit.
- Wise Bread helps consumers get a grip on their debt with advice on how to obtain a clear, concise snapshot of your personal finances.
- If you are intimidated by the heights of your mountain of debt, The Chicago Tribune maps out the first steps on how to scale it.
- Looking into debt consolidation? Doughroller suggests one method of consolidating debt with P2P websites Lending Club or Prosper; it might be just the kind of debt help you need.
- Pay off debt in 2010 by increasing your debt snowball blogs Enemy Of Debt. Some motivating words to get you on your way: “Being broke is no fun. Living paycheck to paycheck is stressful, so now it is time to make the changes necessary.”
- Another post to help with your New Year’s resolution to ditch debt: Kiplinger puts you on a financial diet for 2010 with 4 ways to trim your spending. Start simple with #1: Track your spending.