Money Talks. You Should, Too.

Money Talks. You Should, Too.

I think we can all agree that talking about our finances is uncomfortable, especially if your finances are not in the best health. Fortunately, you  do not need to broach this subject with everyone you meet. However you do need to be able to communicate with your significant other about money, especially in serious relationships.

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The Wonderful World of Robo-Advisors

The Wonderful World of Robo-Advisors

Investing money is an effective way to grow your wealth, but knowing how to invest and what to invest in can be difficult when starting out. Until recently, the only options for investing were doing it on your own (a rather intimidating prospect for a newbie) or hiring an investment advisor, which comes with its own research burden to find the right advisor. Fortunately, there is now a third option available - using a robo-advisor.

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The Facts Behind your Credit Score

The Facts Behind your Credit Score

I think we all know that credit is important. Knowing what credit is, how your score is created, the variations among the credit factors that lenders examine, and the fairly recent progress in consumer credit report access will make you a more informed consumer who can use her credit wisely. 

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Credit that Cares for You

Credit that Cares for You

Real talk: Paying for medical care is stressful and expensive. Even if you are fortunate enough to have insurance through your employer, coming up with co-pays on top of the premiums can make your budget, or your savings, cry. When you pay for an individual insurance plan, the situation often becomes more stressful.

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The Life of an Emotional Shopper

The Life of an Emotional Shopper

Let’s be honest. Spending money is emotional. Finding a “bargain” is very emotionally satisfying, and buying things for loved ones feels good - even when it makes more financial sense not to spend. While it is important to train your rational brain to manage your money, you also need to acknowledge the emotional motivations that drive your spending habits. Understanding why you spend helps guide you to the most effective method for you to change that spending habit.

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Credit 101

Credit 101

Credit often feels like a mysterious and treacherous aspect of personal finance when you are young and/or just beginning your money management journey. Despite its reputation, credit is a tool that with responsible use will improve your financial standing. Before you embark on the journey of seeking credit, it is important to know how credit and credit scores work so you don’t accidentally end up in hot financial water.

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Double Your Down Payment Savings

Double Your Down Payment Savings

Buying a home is a big financial goal, however saving for the down payment can be a major roadblock. There are several different routes to achieving this goal. When the lease on the apartment my boyfriend and I rent was nearing expiration, we considered buying a home. In the process, we discovered a savings program, called a ‘matched savings’ program, to help speed up down payment savings.

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Healthy Budget Habits

Healthy Budget Habits

So, you use your budget, yet somehow at the end of the month you discover you overspent. We have all been there; it can be hard to remember your budget while shopping. A budget is not a static document that you write and leave alone, but a working and responsive tool for money management. Try these healthy habits and easy to use tools to stay in tune with your budget throughout the month.

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Save Now - Retire Better

Save Now - Retire Better

When you’re in your 20s, you do not spend much time thinking about retirement. Although it doesn’t need to be priority #1, spending some time planning for retirement now will save you major headaches in the future. According to the U.S. Department of Labor, a woman who retires at 65 can expect to live another 20 years, 2 years longer than a man. Having personal savings for retirement makes a substantial difference in your quality of life and ability to meet the cost of healthcare.

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Preparing for Unexpected Financial Challenges

Preparing for Unexpected Financial Challenges

I think most of us agree that saving money is important, but are we putting our money where our proverbial mouths are? According to a 2015 survey, 35% of American’s had no savings, and 34% had less than $1,000. This means that 69% of Americans are financial fragile. When life starts throwing curve-balls at them, these individuals and families likely will not have the necessary funds to meet the challenge(s). It also begs the question: “Is just one savings fund enough to meet all my life’s financial challenges?”

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What are You Saving for?

What are You Saving for?

We all know that saving a little bit of money here and there throughout the month is one of the best strategies for accumulating savings. However, it can be difficult to keep that in mind while you’re shopping, especially if your goal is generalized to “save money”.

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We are pleased to share the Women’s Money Annual Report for 2016.

We are pleased to share the Women’s Money Annual Report for 2016.  This year marks another period of tremendous growth and opportunity for the organization and for financial education to women and families.

download the report

download the report

Looking back on 2016, so many moments served as vivid reminders of the important challenges women are up against, as well as the amazing power we have as a collective force to bring about greater change for justice and equality.

Each story in this annual report reflects a moment, person, or project that inspires and energizes us, and continually gives us hope that our work is having real impact.  

The year was one of exceeding expectations for Women’s Money. Both, the 2016 Women’s Money Conferences exceeded expected attendance by 15%, and National Women’s Money Week exceeded participation by over 100%.   These two keystone programs saw the largest participation to date. All program participation literally blew the roof off of what we thought was possible.  Women’s Money engaged with more than 24,000 participants in more than 3,000,000 engagement moments.  Some of those engagements were a very brief but impactful 140 characters, and some engagement moments were as long as six hours of solid learning and practice.  Whatever engagement experience a women had with Women’s Money, the measurement of impact was significant, real, and often life-changing.

Thank you for ongoing support and interest in Women’s Money, and a special recognition to our amazing partners, supporters and colleagues around the world – we couldn't do any of this without you.

Sincerely,

Gina Robison-Billups

 

Are the Budget Blues Bringing You Down?

Are the Budget Blues Bringing You Down?

If you’ve followed my writing, I’m sure you’ve noticed several articles on budgeting. Why so many? Because a budget is one of the most valuable tools for understanding, managing, and growing your money. Yet it seems to me that many people break-out in a cold sweat the moment I say “budget”.

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Plan your Meals; Plan your Spending

Plan your Meals; Plan your Spending

Making food at home is an easy way to trim your spending, but it can often feel difficult to fit in cooking, and clean-up, within daily life. A few months ago, my boyfriend and I started meal planning to save money and eat healthier and so far, we’re achieving our goal.

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How Do You Know What You Can Deduct?

How Do You Know What You Can Deduct?

It’s tax time and that can be stressful. It can also be a time where people feel hopeful about receiving a large refund for taxes overpaid during the year. In order to fully understand this process, it is important to recognize that your refund is for taxes that you paid during the year that are more than your tax burden should be based on your income and expenses. This seems simple enough, but many people feel sheepish about taking the full benefit of their write-offs. This is silly however, because a write-off represents your expense while contributing to the the economic value of our economy.

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Don't Drive into Debt

Don't Drive into Debt

Now that tax, and tax return, season is upon us, maybe you’re thinking about purchasing a car. A tax return can make a solid down payment on a car. Because cars are a depreciating investment, it is important to find a reliable car that fits your budget and won’t break down, causing extra bills and stress

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Is the Mortgage Tax Deduction in Your Best Interest?

Is the Mortgage Tax Deduction in Your Best Interest?

So tax season is upon us, and if you’re paying on a mortgage, you probably feel pretty excited about the home mortgage tax deduction that comes with it. After all, everyone says that you should hold off on fully repaying your mortgage because the tax deduction saves you money. Unfortunately, that common sense advice isn’t really sensible at all, and may actually be costing you money.

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Where Does Your Money Go?

Where Does Your Money Go?

Have you ever had such a terrible customer service experience or been charged so many fees at your bank that you seriously considered closing your accounts, but didn’t because, well, would another corporate bank be any different? Credit unions are a viable alternative to big banks. After a terrible customer service experience, this was exactly the course I took.

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Romance on a Budget

Romance on a Budget

So Valentine’s Day is 10 days away and you still don’t have a gift for your significant other. Don’t worry, I’ve also been procrastinating, but we’re going to get through this together. I’ve compiled a list of low-budget gifts and dates to help us make Valentine’s a success on a budget.

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