Life throws curveballs. And often those curveballs mean you’re spending your hard-earned savings or you’re borrowing money instead. It can feel like a catch-22: Creating savings should help you avoid costly borrowing, but spending it equals losing it and going back to square one. So what is a saver to…
We’re heading into the final months of the year, which makes this the ideal time to lower your 2025 tax bill. Financial moves you make before year-end can reduce your taxable income, trim what you owe the IRS and put more money back in your pocket come tax-filing season. Here…
Key takeaways The Delta SkyMiles® Gold American Express Card is a solid option for frequent Delta customers, but the $150 annual fee (waived the first year) might be a bit steep for some. This card earns 2X miles at U.S. supermarkets, at restaurants (including takeout and delivery in the U.S.)…
If we have long been guilty of over-borrowing student loans for college, perhaps part of the solution is using a different — but similar — private financial product. Annual student loan borrowing has tripled since the 1990s And yet, average net tuition has increased by only 46 percent over the…
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Key takeaways Social Security is a federal program that provides income to retirees, survivors of deceased workers and disabled people. The average Social Security check for retirees is around $2,000 per month — slightly higher than the average benefit for survivors and people with disabilities.…
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Key takeaways A divorce decree outlines which spouse is legally responsible for each debt after the divorce is completed. States either have community…
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When it comes to selling coconut water to the health obsessed, New York’s Vita Coco has served up a master class, schooling even…
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The highest court in the land said nope to President Joe Biden’s plan to forgive $430 billion of student loan debt. In a 6-to-3 decision on June 30, the Supreme Court struck down Biden’s student loan debt relief program, which would have forgiven up to $20,000 in student loans per…
Everyone has spending limits—even the government. Believe it or not, though the American government has a habit of spending like it’s going out of style, there’s actually a limit to the amount of debt it can take on. This limit is called the debt ceiling. And since 1960, the government…
Recent worries about inflation, high interest rates and chaotic global events have kept experts and investors queasy about the stock market and the economy overall. That fear and uncertainty have led to whispers about another recession or a potential stock market crash—the first since the start of the coronavirus pandemic…
Ahh, sweet summertime. It’s the season for hangouts by the pool, neighborhood barbecues, family vacations and all things outdoors. But while those and all our other favorite warm-weather activities are fun, they aren’t exactly free—and the costs can spin out of control if you aren’t careful. So, to make sure you stay…
Key takeaways You still need to make payments or make alternative arrangements with your lender while unemployed. If you make no payments, your loans will eventually go into default. Forbearance, deferment and alternative payment plans are some of the options available if you’re unemployed and cannot make loan payments. The…
For over three years, federal student loan payments were on hold. But that’s no longer the case. Federal student loan payments started back in October 2023—and interest restarted on September 1, 2023.1 Yep, like Twitter and the show Riverdale, the student loan payment pause has come to an end. And…
Image by GettyImages; Illustration by Bankrate Key takeaways Consumers are holding on to their cars longer due to rising new car prices, increased vehicle reliability and personal finance goals like avoiding monthly payments. Older cars are harder to finance due to lender restrictions around age and mileage. Borrowers may face…
People—especially those closest to you—have a profound impact on your well-being. We’ll all experience the ups and downs of living with and loving imperfect people, but ultimately, our relationships should be a source of joy, not frustration. Every human being on the planet is worth having rich, rewarding and safe…
Key takeaways You’ll typically need a credit score of at least 580 to qualify for a personal loan, but the higher your score, the more affordable your loan rate. Lenders want to see that loan applicants have a history of responsibly paying debt, and your credit score provides a window…
We all have 24 hours in a day. And after the hours we spend sleeping, the biggest chunk of our day is spent working—eight hours every weekday and another five or so on the weekend.1 Imagine if all that time at work felt like being trapped in a soul-sucking pit filled…
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