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Your spending habits can be either the backbone of your good financial health or the root of your endless money woes. People in the first group make their spending decisions based on facts and strategies. People in the second abandon their dollars and cents to the mercy of guesswork and financial mythology. By Andrew Lisa When it comes to spending every dollar wisely, no one can bat a thousand. But by avoiding some of the most common false spending assumptions — like the five outlined below — you can do your batting average a whole lot of favors....

In a very short-lived announcement, it originally seemed Tesla had announced extremely low Supercharger membership prices for non-Tesla electric vehicles (EVs) in the U.S. By Yaёl Bizouati-Kennedy Tesla Net Worth: How Much Is Tesla Worth and Is It Worth Investing?Explore: This Credit Score Mistake Could Be Costing Millions of Americans Tesla news site Teslarati, citing a Sawyer Merritt tweet, initially reported that the EV company was offering two plans: a pay as you go, access to Supercharger network and a membership for $0....

Nobody wants to pay full price when they go shopping if they can find a great deal, discount or sale. Companies know this and have configured a number of tricks to make you think you’re getting the best price possible when you really might just be succumbing to clever psychology or staging. Tasha Holland-Kornegay, PhD, a mental health therapist and founder of Wellnessirl.com, a deals site for healthcare workers, said, “The key is to make consumers think they’re saving money often by giving them just enough evidence of these savings to justify the purchase....

Cryptocurrency has been one of the hottest areas of investing over the past few years. Gains like the incredible 49 million percent that Shiba Inu returned to investors in 2021 alone make big headlines, and for some investors, lots of money as well. But cryptocurrency is inherently risky, and those looking to make a quick buck often get burned. For example, Bitcoin investors who piled into the cryptocurrency as recently as November 2021 are now underwater to the tune of nearly 60%....

If you need to cover unexpected expenses, such as a medical emergency or a car repair, a personal line of credit might be a good option. A personal line of credit allows you to borrow a set amount of money whenever you need it. By Lydia Kibet What Is a Personal Line of Credit? How Does It Work? Pros and Cons Alternatives Here’s a closer look at what a PLOC is, including how it works, the pros and cons and whether you need one....

Some technical terms you have to deal with throughout your life can be difficult to understand. Some of the most common terms that pop up mainly in regard to taxes include gross income, adjusted gross income (AGI) and modified adjusted gross income (MAGI). By Michael Keenan The Economy and Your Money: All You Need To Know See: Tax Fraud and Tax Evasion Penalties Explained Knowing the difference between gross income versus adjusted gross income will help you better understand how your taxes and finances work....

It occasionally happens, even to the most organized bill payers: You accidentally miss the payment deadline for something like a credit card or a utility bill. Don’t panic about this kind of oversight. Once you realize you missed the payment due date, take these steps to ensure a one-time late payment doesn’t become a recurring issue. By Heather Taylor Retirement at Any Age: Get Retirement Tips That Fit Every Stage of LifeSee Our List: 100 Most Influential Money Experts...

For many, a bear market means a drop in investments and retirement funds. But there are some ways to make money during this time of flux, including investing in real estate — in particular, a vacation home. By Selena Fragassi See: Fed Raises Rates 75 Basis Points Amid Bear Market & Record-High InflationLooking To Diversify in a Bear Market? Consider These 6 Alternative Investments Though the Fed raised interest rates 75 basis points in June as a measure to help combat inflation, surprisingly, the housing market remains at an all-time high for buyers who are driving demand....

Buying a NFT is becoming as easy as buying snacks. At least in New York City. Neon, a marketplace and gallery built on the Solana blockchain, has launched an NFT ATM in New York City’s financial district, which it deems “the world’s first NFT vending machine.” By Yaёl Bizouati-Kennedy See: 10 Best NFT Stocks To Watch Right NowStaking NFTs: A New Way to Make Money “Like this tweet if you have stopped by our #nftatm in Manhattan!...

In March 2020, the federal government paused both payments and interest charges on all qualifying federal student loans. It was part of the CARES Act, the original pandemic relief bill, and in the ensuing years, the moratorium was extended five times. And then most recently, President Joe Biden postponed the end of the protections, which were set to expire on May 1, until Aug. 31. By Andrew Lisa That means that $1....

There’s about a month left in the calendar year. While many are using this time to prepare for holiday festivities and enjoy time off with loved ones, there are key financial areas you can focus on now to get ahead for 2023. By Heather Taylor Holiday Spending: Get Top Holiday Shopping and Savings TipsFind Out: If Your Credit Score Is Under 740, Make These 4 Moves Now Here are some of the best ways to start financially preparing for 2023, even during the holiday season....

Ralphs, a subsidiary of Kroger, and part of a family of grocers, including Fred Meyer and Harris Teeter, is mostly found in Southern California. Like Kroger, Ralphs focuses on helping customers save via discounts and coupons, including through Kroger’s rewards debit card. By Cynthia Measom Here It Is: Our 2022 Small Business SpotlightCheck Out: 10 Things You Should Always Buy at Walmart Just like any grocer, Ralphs has some great deals and also some items you’d be better off avoiding....

In many parts of the country, the weather outside is currently frightful, but you’re ready to get out of your home — for good. Whether you’re moving for business or pleasure, you’re preparing to put your house on the market this spring. By Jennifer Taylor Declutter and Clean Paint the Interior Deferred Maintenance Power Wash the Exterior Landscaping Paint the Front Door Update Old Light Fixtures Swap Out Old Faucets “Buyers are visual for the most part, so focusing on things they will see in photos and when they walk into your home should be the main focus,” said Ashley Oshinsky, a real estate agent with the James Real Estate Agency, LLC, based in Waterford, Michigan....

Independence Day — a federal holiday that celebrates America’s independence from Great Britain — is celebrated on July 4 every year. Although the Friday prior is not an official holiday, many people might be curious if banks are open on July 1 or if they are closed the last weekday before the Fourth. By Andrew Lisa Are Banks Open Open Banks How To Bank on July 1 Upcoming Bank Holidays in 2022 Keep reading to see if your bank is open the Friday before Independence Day....

The Securities Industry and Financial Markets Association (SIFMA) Foundation’s Stock Market Game, a program providing financial literacy programs that strengthen economic opportunity, might become even more relevant nowadays, as the stock market has recently seen a surge of young investors. By Yaёl Bizouati-Kennedy See: Should Your Teen Save for College or Invest for Retirement? Find: Teens Are Taking High Paying Jobs, Filling Employment Gaps Left by Adults During COVID The program, launched in 1997, is an online simulation of the global capital markets that engages students grades 4-12 in the world of economics, investing and personal finance, and prepares them for financially independent futures, according to SIFMA....

Supplemental Nutrition Assistance Program benefits, or food stamps as they are more commonly known, are monthly cash benefits paid out to low-income individuals and families who meet certain income eligibility requirements. By Georgina Tzanetos Food Stamps: What Is the Maximum SNAP EBT Benefit for 2023?Also: How To Get Free Gift Cards From Your Everyday PurchasesRead: 11 Grocery Items To Buy at Dollar Tree SNAP is federally funded, but the funds are distributed to each state, which then administers and delegates its own program rules and requirements....

By Cynthia Measom Holiday Spending: Get Top Holiday Shopping and Savings TipsTake Our Quiz: 2022 Year in Review There’s no doubt that gas prices have put the squeeze on many Americans’ wallets over the past year. Gas peaked at $5 per gallon in June, which means some consumers shelled out almost $60 for 12 gallons and almost $100 for 20 gallons. However, prices have been falling at the pump lately, reaching reasonable levels in most states and sub-$3 per gallon in some....

We may be just a few weeks into 2023, but it’s never too early to start thinking about filing taxes. Planning ahead now does more than make the filing process a bit easier. Careful planning and preparation can also ensure you receive your refund sooner and put the funds toward savings, investing or any bills you need to pay off. By Heather Taylor Find Out: 10 Things To Stop Buying in 2023Tips: 3 Ways Smart People Save Money When Filing Their TaxesSee: States Whose Economies Are Failing vs....

Though walking down the aisle is traditionally thought of as a rite that most couples do in the twenties and thirties, there are plenty of people who marry — or remarry — later in life. By Nicole Spector Explore: Your Biggest Money Etiquette Questions Answered See Our List: 100 Most Influential Money Experts While financial conversations should be had by any couples planning to wed, it’s arguably even more important that older folks have these talks with one another, since they are more likely to be established in life and to have accumulated some individually earned assets....

Inflation has hit Americans hard, and they’re cutting corners everywhere — potentially even on the most important thing of all: love. By Nicole Spector SNAP Benefits: How Long Do They Last?Learn: If Your Credit Score Is Under 740, Make These 4 Moves Now A new survey by LendingTree found that inflation is affecting dating, with nearly 1 in 5 Americans saying they’re going on fewer dates because of higher costs. Pulling the reins on dating makes sense when considering the expense; according to research by The Balance, millennials spend an average of $69 on a first date....