How This Woman Was Able to Pay Off Debt on a $36K Salary

When Val Breit graduated college in January 2012, she picked up her diploma and a bill for $42,000...

Use a Job Offer to Get a Raise With This 6-Step Guide

What would it take for you to quit your job? Too easy to answer? Then what would it take...

How a Staycation Cut our Travel Spending by $1,500

My partner Nick and I love to travel, so we prioritize vacations in our budget. But when we felt like we needed an unplanned vacation earlier this year and saw that we were just...

How This Couple Paid Off $83K of Debt Living in Pricy Seattle

The typical equation for paying off debt looks like this: Income – Expenses = Amount you can pay toward...

Not Happy With Your Retirement Analysis? 7 Steps to Get on Track

Pondering retirement is daunting. According to that online calculator you plugged some numbers into, you’ll be working until...

What’s the Best Way to Save for College for a Teen?

Dear Penny, My stepdaughter just started middle school. We’ve put some money away for her college education already, but...

How to Find a Mentor When You’re a Freelancer or Entrepreneur

When people ask Kristi Porter for business advice, she first tells them to find a mentor. Porter is the...

11 Everyday Opportunities for Teaching Kids About Money

The thought of talking about money to my kids is a little overwhelming. Now that I have twin...

Here’s How to Earn Cash Shoveling Snow (For Real)

I wish I could start this article with, “We’ve all had to do it…” But, fortunately, I’m a Floridian,...

How to Get Back Your Entire Security Deposit

Moving can be expensive. You might have to pay for rental trucks, packing equipment or even new furniture...

Instacart Delivery Fee and Membership Just Got Cheaper

Grocery delivery services are known for charging a premium for convenience. But convenience is getting cheaper for shoppers...

How to Make a Career Change After Years at the Same Job

After 10 years in human resources at a nonprofit, Laura Niebauer Palmer figured she wouldn’t have any problem...

Same Job for Many Years? These 5 Tips Will Help You Reinvent Yourself

After 10 years in human resources at a nonprofit, Laura Niebauer Palmer figured she wouldn’t have any problem finding a new HR job when she and her husband moved from Chicago to Austin, Texas. Then...

Is Taking Money Out of an IRA to Pay Debt Dumb?

Dear Penny, I'm in my late 50s. I married a darling lovely man who ended up permanently disabled just...

Switching to Low-Flow Toilets Could Save You Hundreds Each Year

Making money isn’t all real estate investing and promotions It’s not always sexy. In fact, one of the easiest ways to make money at home is to get up close and personal with your...

We Tried it and Made $27K

I placed my hand on the doorknob and bravely pushed my way in. All my senses were instantly engaged, but absolutely none were pleasant. The smell of dog, cat and cigarette smoke struck me in...

These Tips Will Help You Prepare for a Virtual Career Fair

In 2018, just about everything is available online, and the tight labor market has employers experimenting with creative methods to find and attract workers. That’s where virtual career fairs come in. While they won’t solve...

How the Year Up Program Is Trying to Close the Opportunity Divide

Even as she prepared for her final semester of college, Ashley Carr felt directionless. “I went to Miami Dade right after graduating; however, I stopped school for a little while after I had...

How I Furnished My Apartment for Under $1,000

Being a “remote nomad” was so much fun — until it wasn’t anymore. I’d spent a month in Spain, three weeks in Athens and countless hours behind the wheel of my beater, meandering around the...

Do I Need a Financial Adviser? 5 Times You Probably Do

When I decided to start investing for retirement, I had no clue where to start. I had no 401(k), individual retirement account (IRA) or health savings account (HSA). I didn’t even have one of...

5 Times You Need a Financial Adviser — and When the DIY Approach Is...

When I decided to start investing for retirement, I had no clue where to start. I had no 401(k), individual retirement account (IRA) or health savings account (HSA). I didn’t even have one of...

How Should I Spend My $30,000 of Inheritance Money?

Dear Penny, I recently received a $30,000 check from my grandparents as an early inheritance. Don't panic: They're both still alive. They gifted it to me for tax purposes. Ever since I received the check,...

The Benefits of Studying Abroad Include a Leg Up in Your Career

In a career workshop focused on teaching University of South Florida (USF) students how to constructively talk about their study abroad experiences, some descriptions were banned from the discussion. Amazing. Awesome. Life changing. Studying abroad no...

Wondering ‘How Much Money Should I Save?’ Try the 60-20-20 Budget

Michaela Estes and Alexandra Vincent/The Penny Hoarder I always thought the right budget breakdown was the tried-and-true 50-30-20 method, where 50% of my monthly take-home pay goes toward living expenses, 20% toward savings...

Here’s How to Stop an Eviction

A few months before the housing market began to implode, 22-year-old Alisa Daly and her boyfriend — now husband — were expecting their first child. Working at a small trucking company in Arizona, she was...

3 Ways to Start Investing in Real Estate With Your First Home

Buying a home is a visceral experience. Every house you walk into or click through online brings visions: future meals cooked in the kitchen, friends in the living room, kids playing in the backyard. These feelings...

How Hearbreak Led This Woman to Learn How to Make Custom Hats

In 2016, heartache led Teressa Foglia to her true passion — hatmaking. “I went through a really hard breakup, and I just could not be in California anymore,” she says. Everything there reminded me of...

Here’s How to Vet Your Next Boss — Know What Makes a Good Manager

There’s a phrase that has been echoing in career-advice circles for years: “People don’t leave companies; they leave managers.” It hits home for Debi Campbell, a former producer for a major cable network. In...

8 Black Friday Deals That Aren’t Worth Your Money

As shopping has evolved, it has become a holiday event all its own. While Thanksgiving once held the promise of a leisurely day spent with family and friends, for many that same dinner table...

We Found the 10 Best Cities for Entrepreneurs and Startups

For aspiring entrepreneurs with dreams of starting their own business, the mind tends to go to one region in particular. You know which one I’m talking about — it’s the one that goes hand...

My Fiance Spends His Student Loan Refund Like It Doesn’t Cost Interest

Dear T., The answer is yes, and also yes. As you prepare for your wedding and your new financial life together, now is a great time for you to take a closer look at your own...

How CollectionShield 360 Helped This Waitress Boost Her Credit

Tabatha Pankop spends long days on her feet. She waits tables, sometimes working double shifts for 15 hours at a time. Like most hardworking Americans, she has dreams of financial stability and homeownership. There was...

A Step-by-Step Guide to Shopping Cyber Monday Travel Deals

Cyber Monday is coming. Have your passport and budget ready because the steady roll of deals waits for no one. The annual online shopping event that happens the Monday after Thanksgiving promises fleeting bargains, including...

Nonprofit Upsolve Makes It Easier to File Bankruptcy Online

People considering bankruptcy can visit the Upsolve website and answer 10 questions to find out if they’re a good fit for Chapter 7 bankruptcy. Sharon Steinmann/The Penny Hoarder Bankruptcy can provide a fresh start...

Arcadia Power Helps You Save on Your Electric Bill and Be Eco-Friendly

Your life is full of choices, and that’s a good thing. Cable, satellite or streaming? How about your phone — iPhone or Android? Which carrier do you like best? Having all these choices helps...

How to Make a Fancy Meat and Cheese Board for Under $25

I try to play it cool around cheese boards. But the bite-size pieces and delectable accompaniments beckon me closer at parties. I casually carry on conversation while covertly helicoptering in their radius. I have just...

Is This Paid Survey Site Worth Your Time?

Taking online surveys seems like easy money at first. But wading through a bunch of sites that don’t let you qualify for any surveys — or only pay out once you’ve acquired 800,000 points...

Child Care Assistance Can Help You Raise Kids More Affordably

Forget “It takes a village to raise a child.” Many parents are embracing an “I got this” mentality when it comes to shouldering the high cost of child care. Even when they find child care...

Want to Be a Freelance Writer? Here’s How to Pitch a Story

In the paradoxical world of freelance writing, your first few stories are essential. They’re also the most difficult to land because editors usually want to see previously published work (aka clips). After all, they...
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