July 30, 2014 11:39 PM • Log InREGISTER
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New Social Security Rule Affects Boomers Infographic: The Cost of Summer Fun Then and Now Error in FAFSA Form May Affect Financial Aid Offers Consumer Tip of the Day: Watch out for Hotel Scams Consumer Tip of the Day: Conduct a Financial Inventory Financial Help for Out-of-State College Students Report: One in Four Consumers Has No Emergency Savings Savings Expert Marsha Barnes Talks about Frugal Living America Saves Survey: More Consumers Automate Savings National Black Church Initiative Partners with TrustEgg The 5 Best States for Banking Budgeting for Success Study: Older Americans Struggle with Mortgage Payments How to Deal With a Financial Crisis 3 Lessons to Teach Your Kids About Money 4 Ways To Boost Your Money IQ For Financial Literacy Month Lost Control of Your Finances? Here’s 5 Ways to Get Back on Track Are You an Unemployed College Grad? Here’s How to Manage Your Money Pensions: Should You Take a Lump Sum or Monthly Payout? Are You Living Paycheck to Paycheck? [Infographic] Personal Finance Word of the Day: Meeting of Creditors How to Change Your Bad Money Habits [Infographic] The Cost of Raising a Child Continues to Rise Black Enterprise Financial All-Star: Sonya Smith-Valentine Black Enterprise Financial All-Star: Michelle Oliver America Saves Week: Where Does Your Money Go? [Infographic] America Saves Week: “Why You Should Save” America Saves Week: Play the Savings Game US News & World Report Editor Talks New Book “The Economy of You” Learn How to Save Money During ‘America Saves’ Week Looking for a Valentine’s Day Gift? Try Your Credit Report Black Enterprise Financial All-Star: Katrina H. Everett Talks Income Strategy Divorce and Your Finances: The Basics 3 Retirement Killers: Protect Yourself Now or Regret it Later Personal Finance Word of the Day: myRA 4 Tips for Keeping Business and Personal Finances Separate 10 Dumb Things We Do With Our Money 3 Habits For Better Money Outcomes in 2014 Ways to Save on Car Insurance Costs [Video] Tips on Overcoming and Surviving a Financial Crisis Black Enterprise Financial Fitness Contest: Rodd Herbert Talks 1 Year Later Black Enterprise’s Financial Fitness Contest Recap: Lachelle Metcalf Talks 1 Year Later 5 Reasons To Get Real With Your Holiday Spending 5 Must-Haves to Get Your Retirement Plan Started Sources of Financial Advice You Can Afford How to Save on Grocery Shopping by Making These Treats at Home Emmy Award Winning Journalist Provides 6 Tips for Wealth Building More Help for Those Focused on Fixing Their Finances Dealing With Debt That Won’t Die What to Do When Your Retirement Nest Egg Starts to Dwindle Can Your Retirement Fund Your Next Business? Are You Trying to Maintain a Reality Show Lifestyle? What to Do if You’ve Ever Been Denied a Bank Account Refreshing Your Financial Goals for the Fall Tax Breaks for Going Back to School 4 Quick Tips for Saving Money on Back-to-School Shopping #WealthforLife Wednesdays: The Real Cost of Payday Loans Do You Need to Go on a Financial Diet? 5 Practical Ways to Increase Your Cash Flow Right Now #WealthforLife Wednesdays: Boost Your Financial IQ! How to Consider a Lean Launch For Your Business Idea 5 Smart Ways to Recharge Your Budget 5 Reality Checks You Must Face to Fix Your Finances 5 Ways to Promote Financial Literacy in Your Teen This Summer Are You One Step Away From Financial Ruin? When It Comes To Your Money, Are You A Hot Mess? Living Single? You Still Need to Plan Financially #WealthforLife Wednesdays: Is it Time to Consult a Financial Planner? Respect Your Money and Your Money Will Respect You How to Stay Cool Without an Air Conditioner: A Beginner’s Guide Keeping Up With Appearances Is Usually a Bad Idea for Your Finances #WealthforLife Wednesdays: Apps to Manage Your Money Plan, Save & Execute: Take Control of Your Money This Summer Several Factors Determine Best States to Retire in, Expert Says How to Stay Within Your Budget During Travel Season #WealthforLife Wednesdays: 4 Steps To Put Your Savings On Autopilot Disability Insurance An Unnecessary Quandary For Some Millennials, Expert Says Speaking Up Pays Off When it Comes to Your Financial Goals Learn to Do What’s Best With a Large Sum of Money 5 Financial Tips for Graduating Students Estate Planning With Your Children in Mind Mid-westerners Have Fewer Financial Worries, Rankings Show A Parent’s Guide To Raising Financially Responsible Children So You Filed Your Taxes. Now What? As Sequester Cuts Take Hold, America Feels the Pinch 10 Surefire Ways to Go Broke This Year Give Your New Graduate A Financial Head Start It’s Spring Wedding Season: 4 Tips on How to Protect Your Budget 5 Financial Pitfalls the Underinsured Must Avoid Special Circumstances That Could Affect Your Taxes Study Shows Financial Incentives Help Weight Loss Goals Is Clutter Keeping You Back Financially? Do You Know Where Your Money is Going? CardHub.com Releases U.S. Cities With Best, Worst Budgeters The Truth About Emergency Savings Funds Financial Woes: Workers are Saving too Little to Retire 5 Smart Money Moves to Make Right Now 3 Budget-Friendly Domestic Spring Travel Destinations A To-Do List for the Long-Term Unemployed Lending Money in Relationships: A Toolkit Thinking of Others: How Life Insurance Can Save Your Co-Signer 5 Apps That Will Simplify Tax Season Tax Cuts Will Leave Lasting Impact on Higher Education On the Importance of Paying Yourself First Love and War: Financial Basics for Families Facing Deployment Tips for Eating Clean on a Budget During America Saves Week, Get Serious About Your Financial Plan Tips for Using Lent to Recommit to Your Savings Goals How to Formulate a Financial Back-up Plan 5 Money Tips: Snowstorm Nemo Edition! Financial Planning for College Doesn’t Have to Be Intimidating Saving Money For a Rainy Day Is Easier Than You Think 4 Secrets to Successful Budgeting Financial Advice for The Committed, But Unmarried 4 Tips for Budgeting When Your Income Is Inconsistent How to Drive Savings Back to Your Wallet at the Pump 3 Ways to Turn Your Idea into an Income Stream in 2013 What You Choose To Believe About Money Matters 6 Unlikely Tips to Get Your Financial House in Order Meet the Woman Behind the 52 Week Savings Challenge Wellness Travel Big Business in the New Year Wait ‘Til I Get My Money Right: Top Money Resolutions for 2013 5 Tax Changes That Take Effect in 2013 Taking a New Look at Entrepreneurship and Franchising How to Avoid ‘Partying For a Good Cause’ This Christmas 3 Shopping ‘Deals’ to Avoid In December 3 Holiday Shopping Mistakes to Avoid A Reality Check for Black Friday 3 Black Friday Apps That Will Save You Money Quick Ways to Save Money at Thanksgiving Holiday Spending: Don’t Let it Wipe You Out Spending Wisely on Small Business Saturday How Will Falling Off Fiscal Cliff Affect Your Wallet? Travel Giant Priceline Acquires Kayak The Lazy Man’s Guide to Holiday Shopping: Gift Cards Who, What, When, Where, How: On Finding the Best Advice 5 Money Lessons from Kendrick Lamar’s ‘Money Trees’ Is Tax Relief Coming to Sandy Survivors? Watch Out for These Changes at Your Bank How to Start Your Emergency Fund Now Banks Give Customers Fee Reprieve in Sandy Aftermath Shoppers Have More to Spend This Holiday Season 5 Ways to Cut Your Grocery Bill Right Now 3 Hottest Food Trends Sure to Eat a Hole in Your Wallet Are you ‘Extreme Couponing’ or Just a ‘Hoarder’? Step 1: How to Set Financial Goals You Can Achieve 5 Lies That Keep You in Debt Scary Easy! Quick Ways to Save Big This Halloween 3 Clutch Business Tools For Entrepreneurs 3 Signs You’re Ready to Become an Entrepreneur

Money > Planning & Budgeting

AARP and SBA Share Start Up Advice on Entrepreneurship for the 50 Plus

New Social Security Rule Affects Boomers

Social Security is calculated in favor of low wage earners.

Read More »
take-time-to-plan-your-vacation_942_449042_0_14087291_500 NL

Infographic: The Cost of Summer Fun Then and Now

A comparison of summer fun throughout the years

Nowadays, fun is going to cost you.

By Sheiresa Ngo

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(Image: Thinkstock)

Error in FAFSA Form May Affect Financial Aid Offers

Approximately 200,000 students were affected

Some schools began to see many applicants with unusual salaries on FAFSA.

By Sheiresa Ngo

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hotels_122612_575se

Consumer Tip of the Day: Watch out for Hotel Scams

Your daily money bite

Some scammers are taking advantage of unsuspecting hotel guests.

By Sheiresa Ngo

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money-fans-122312-575hc

Consumer Tip of the Day: Conduct a Financial Inventory

You must know where you are to get where you want to go financially

Be sure to take into account how you’re spending your money to ensure you’re on…

By Sheiresa Ngo

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after-school-daze-recent-grad-300x232

Financial Help for Out-of-State College Students

New service created to help students qualify for in-state tuition

Some companies are making an effort to alleviate the financial burdens faced by out-of-state students.

By Sheiresa Ngo

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piggy banks-300x232

Report: One in Four Consumers Has No Emergency Savings

Are you financially ready for a rainy day?

A recent report by Bankrate.com finds that one in four consumers have no emergency savings.

By Sheiresa Ngo

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Holding-Piggy-Bank-300x232

Savings Expert Marsha Barnes Talks about Frugal Living

You can live well on less

A recent national survey by the Consumer Federation of America finds that only about one-third…

By Jennifer Streaks

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piggy-bank

America Saves Survey: More Consumers Automate Savings

But some still stash cash at home

If you’ve ever wondered how your saving habits compare to those around you, wonder no…

By Sheiresa Ngo

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black-woman-with-child-piggy-bank

National Black Church Initiative Partners with TrustEgg

Organization will help one million children start a savings account

The National Black Church Initiative, a faith-based coalition of 34,000 churches, recently announced a partnership…

By Sheiresa Ngo

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ABA Offers Tips for Small Business Owners: Assessing Your Banking Relationship

The 5 Best States for Banking

Did your state make the list?

If you’ve ever wondered which states have the best banks and how they compare to…

By Sheiresa Ngo

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how-to-budget-beginners

Budgeting for Success

Careful budgeting allowed former football player Michael Jackson to start his dream business

Becoming a sports star can be a dream-come-true. However, for many athletes, that dream quickly…

By Sheiresa Ngo

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Initiative may help some homeowners stay afloat.

Study: Older Americans Struggle with Mortgage Payments

The retirement plans of older homeowners are being affected by the fact that many are…

By Sheiresa Ngo

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PocketsBrokeMoney

How to Deal With a Financial Crisis

There are many successful people who had to start from scratch after a financial meltdown

Financial crisis does not, however, have to be the end of your world

By Sheiresa Ngo

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black-woman-with-child-piggy-bank

3 Lessons to Teach Your Kids About Money

Does your child understand the basics of money?

It is very tempting to give children allowances, but this does not teach them that…

By Sheiresa Ngo

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extra money

4 Ways To Boost Your Money IQ For Financial Literacy Month

A simple regimen to help you commit—or recommit—to your financial education.

Boost your IQ with these proven steps

By Alfred Edmond, Jr.

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piggy banks-300x232

Lost Control of Your Finances? Here’s 5 Ways to Get Back on Track

Have you been terrible with handling money?

Everyone struggles with money at some point in their lives

By Sheiresa Ngo

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after-school-daze-recent-grad-300x232

Are You an Unemployed College Grad? Here’s How to Manage Your Money

Were you unemployed after graduating school? Do you know of anyone who is?

Several factors are affecting the job market: the unstable economy, outsourcing, and baby boomers delaying…

By Sheiresa Ngo

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money-fans-122312-575hc

Pensions: Should You Take a Lump Sum or Monthly Payout?

Make sure to choose wisely

If you’re ever in a position where you’re offered to take your pension as either…

By Sheiresa Ngo

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<ul> 	<li><strong>Salary is inadequate:</strong></li> </ul> <strong> </strong>If you’re barely making ends meet when it comes to your bills, debt payments or providing for your family, then either you’re not budgeting correctly or your salary is too low.  If it’s the latter, Price suggests that you seek another job.  “If you don’t feel like you’re being compensated enough to handle living arrangements then something has to change,” he says.  “If you can look for another job that pays more then by all means go and pursue that.”

Are You Living Paycheck to Paycheck? [Infographic]

If you’re barely making ends meet when it comes to your bills, debt payments or…

By Sheiresa Ngo

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credit cards

Personal Finance Word of the Day: Meeting of Creditors

Your daily money bite

Even though it’s called a meeting of creditors, the creditors rarely attend

By Sheiresa Ngo

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How to Change Your Bad Money Habits [Infographic]

You don't have to let routine ruin your finances

How will you improve?

By Sheiresa Ngo

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black-baby-smiling

The Cost of Raising a Child Continues to Rise

Buy a Bentley? Or have a baby? The Bentley could be cheaper

Raising children is more expensive than you think

By Alfred Edmond, Jr.

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be-home-logo

Black Enterprise Financial All-Star: Sonya Smith-Valentine

Advice from Black Enterprise's top experts

Learn how to manage your credit

By Sheiresa Ngo

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Black Enterprise Financial All-Star: Michelle Oliver

Advice from Black Enterprise's top experts

Life insurance purchases are important

By Sheiresa Ngo

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(Image: Thinkstock)

America Saves Week: Where Does Your Money Go? [Infographic]

Are you saving enough?

Does your pocket seem to always have a hole in it?

By Sheiresa Ngo

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america saves

America Saves Week: “Why You Should Save”

Your saving habits could have life-long consequences

Save now for a rainy day

By Sheiresa Ngo

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Be sure to also read...  	5 Podcasts to Boost Your Financial Brainpower 	7 Money Lessons from the Bible 	The 7 Deadly Sins of Money Management  How are you teaching your children about money? What age did you start?

America Saves Week: Play the Savings Game

Test your savings skills with this educational game

How did you do?

By Sheiresa Ngo

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Economy of You ART

US News & World Report Editor Talks New Book “The Economy of You”

Kimberly Palmer talks about creating an economy that you control

Take hold of your financial destiny

By Sheiresa Ngo

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Learn How to Save Money During ‘America Saves’ Week

Give your nest egg a boost

Use this week develop sound saving habits

By Sheiresa Ngo

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Looking for a Valentine’s Day Gift? Try Your Credit Report

Nothing says 'I love you' like financial planning together

According to Morris, couples are often reluctant to discuss money matters and that finances are…

By Alan Hughes

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katrina-leverett

Black Enterprise Financial All-Star: Katrina H. Everett Talks Income Strategy

Advice from Black Enterprise's top experts

Make sure you have sufficient liquidity in cash reserves in case of an emergency

By Sheiresa Ngo

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Divorce2

Divorce and Your Finances: The Basics

As with marriage, divorce is a major life-transition that requires financial planning

No one likes to plan for divorce, especially married people

By Alfred Edmond, Jr.

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0722_retirement

3 Retirement Killers: Protect Yourself Now or Regret it Later

The odds are better than ever that you'll live long enough to regret not planning for retirement

If you haven’t started saving for retirement, you need to start today

By Alfred Edmond, Jr.

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SHARE YOUR EXPERTISE BY TEACHING You've accumulated a lifetime of real-world work experience and general life experiences. Why not share your expertise with the world by becoming a teacher? A part-time teaching job or instructor position could help you bring in a steady paycheck during your golden years or amid a period of semi-retirement. Teaching is also a great way to keep your mind stimulated and help you connect with others. By contributing to young people's development, you'll make a difference in the world beyond your own life. You may not get rich teaching part-time; but you will enjoy a richer life.

Personal Finance Word of the Day: myRA

Your daily money bite

Description of new retirement account

By Sheiresa Ngo

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6 Steps for Getting Noticed in Any Setting

4 Tips for Keeping Business and Personal Finances Separate

Advice for keeping your money in order

Don’t forget to keep a close eye on both your business and personal finances

By Sheiresa Ngo

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debt2

10 Dumb Things We Do With Our Money

We need to unlearn bad habits, not just learn the right financial moves to make

As important as learning what to do with money is knowing what not to do

By Alfred Edmond, Jr.

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(File)

3 Habits For Better Money Outcomes in 2014

Make sure your money is right or else everything in your life will go wrong

Commit to good habits, not just desired outcomes

By Alfred Edmond, Jr.

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Ways to Save on Car Insurance Costs [Video]

Tips for keeping more cash in your pocket

Does the cost of car insurance have you reeling? It might be time to look…

By Sheiresa Ngo

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"How will my business make money if no one wants to pay?"

Tips on Overcoming and Surviving a Financial Crisis

The best time to overcome a financial crisis is before there is one

Karl Hardesty, CEO of Hardesty LLC, offers tips for overcoming a financial crisis and avoiding…

By C. Daniel Baker

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Rodd Herbert (Photo by Kevin Foley)

Black Enterprise Financial Fitness Contest: Rodd Herbert Talks 1 Year Later

A look back at contest winners from the Black Enterprise 2012 Financial Fitness Contest

Herbert strives to manage finances in the face of declining health

By Sheiresa Ngo

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Black Enterprise’s Financial Fitness Contest Recap: Lachelle Metcalf Talks 1 Year Later

A look back at 2012 contest winners

Metcalf has made moves toward her financial goals

By Sheiresa Ngo

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5 Reasons To Get Real With Your Holiday Spending

It's okay to believe in Santa Claus, as long as you never forget that he won't be paying your bills

Reminders to avoid financial choices that detract from the true spirit of the season

By Alfred Edmond, Jr.

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If you are considering offering a retirement plan for your employees, doing so before the end of the year could provide tax benefits.  Your business might be eligible for a $500 tax credit for the first three years of your plan to help defray setup costs. In addition, any employer contributions to employee plans enjoy tax deductions, and a business owner can realize personal tax savings by contributing to a plan.

5 Must-Haves to Get Your Retirement Plan Started

Financial planner offers tips to help get you on the right track

Financial planner offers tips to help get you on the right track

By Alan Hughes

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More Optimistic About Financial Well-Being

Sources of Financial Advice You Can Afford

Don't let fear of the costs of hiring a financial planner stop you from getting the help you need to improve your financial situation.

Many of us know that we need financial advice from qualified professionals, but we often…

By Alfred Edmond, Jr.

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WholeFoods_01

How to Save on Grocery Shopping by Making These Treats at Home

Take care of your health and your budget with these homemade food choices

Indulging in a healthy treat can be hard with a busy schedule and a low…

By Sasha King

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ValerieMorris-300x225

Emmy Award Winning Journalist Provides 6 Tips for Wealth Building

Money management expert Valerie Morris explains how to start a financial plan

BLACK ENTERPRISE spoke with Morris during the American Express OPEN for Women: CEO BootCamp, a…

By Alan Hughes

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Business Continuity Tips Discussed at Free Webinar Hosted by SBA and Agility Recovery

More Help for Those Focused on Fixing Their Finances

The Sharpen Your Financial Focus initiative is a great new resource to help you to gain financial freedom and build wealth for life.

Sharpen Your Financial Focus is a comprehensive effort to help you move toward financial stability.…

By Alfred Edmond, Jr.

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Dealing With Debt That Won’t Die

A charge off is not loan forgiveness.

A charged-off account could cause you trouble for years to come.

By Sheiresa Ngo

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If you are considering offering a retirement plan for your employees, doing so before the end of the year could provide tax benefits.  Your business might be eligible for a $500 tax credit for the first three years of your plan to help defray setup costs. In addition, any employer contributions to employee plans enjoy tax deductions, and a business owner can realize personal tax savings by contributing to a plan.

What to Do When Your Retirement Nest Egg Starts to Dwindle

Here’s how to handle financial curveballs during your golden years.

How can pre-retirees avoid or minimize the impact of an economic downturn on their retirement…

By Sheryl Nance-Nash

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How Do You Get Started on your Business Continuity Plan?

Can Your Retirement Fund Your Next Business?

Retirement accounts can fund your next business, but beware of tax penalties

Can you use the money in your retirement account as capital for your business without…

By C. Daniel Baker

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shopping-620x480

Are You Trying to Maintain a Reality Show Lifestyle?

Are reality stars really paying for the lavish lifestyles they live on TV?

If you are trying to keep up with the reality show lifestyle, stop it.

By Jennifer Streaks

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Single-black-woman

What to Do if You’ve Ever Been Denied a Bank Account

Not to worry, you still have options

Ever been denied a bank account or had a check declined? If so, here’s why…

By Jennifer Streaks

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AngryYoungWomanComputer

Refreshing Your Financial Goals for the Fall

Where are you with your financial goals?

Where are you with your financial goals?

By Jennifer Streaks

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Tax Breaks for Going Back to School

Get financial perks for hitting the books.

Tax breaks are a great way to reduce educational costs.

By Sheiresa Ngo

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back-to-school-shopping

4 Quick Tips for Saving Money on Back-to-School Shopping

Keep more cash in your pocket

Summer will soon draw to a close, and kids will be back on the school…

By Sheiresa Ngo

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Sad-Black-man-gallery

#WealthforLife Wednesdays: The Real Cost of Payday Loans

Repeat borrowing often results in a cycle of debt

For a fast, dangerous payday loan, borrowers usually only need a checking account and proof…

By LaToya M. Smith

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(Image: ThinkStock)

Do You Need to Go on a Financial Diet?

Where can you trim?

It might be time to pare down for the sake of your financial fitness.

By Jennifer Streaks

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cash

5 Practical Ways to Increase Your Cash Flow Right Now

It's always the right time to increase your income

Fill a temporary need. It’s just one way to increase your cash flow.

By Jennifer Streaks

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cash

#WealthforLife Wednesdays: Boost Your Financial IQ!

Free financial literacy resources to help you and your teen get smarter about your money

On a better, more complete financial education.

By LaToya M. Smith

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small-business-RFA-site

How to Consider a Lean Launch For Your Business Idea

The tested way to fast track your business

Whether you are currently running a business or thinking about making the leap towards entrepreneurship,…

By James Walker

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five tips to avoid working weekends

5 Smart Ways to Recharge Your Budget

Taking action now for the sake of your goals

Here are a few ways to think about giving your savings goals a boost.

By Jennifer Streaks

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Is this what you're waiting for? WAKE UP!!! Time to get real.

5 Reality Checks You Must Face to Fix Your Finances

One of the challenges of financial education is trying to get through to people who think the rules of smart money management do not apply to them.

Time to get real: You are NOT the exception to the rules of building wealth.

By Alfred Edmond, Jr.

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proud-black-teens-do-best-in-school-teen_chalkboard_525

5 Ways to Promote Financial Literacy in Your Teen This Summer

Could you use a little help with your teen?

It really is a perfect time to get your teenagers primed to get in financial…

By Darren Sands

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Are You One Step Away From Financial Ruin?

Is saving a lost art? Too difficult?

A recent survey released by Bankrate stated that 75 percent of Americans don’t have enough…

By Jennifer Streaks

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NYC tourists may soon be fined for buying counterfeit luxury goods

When It Comes To Your Money, Are You A Hot Mess?

An exercise to give yourself a reality check—and maybe a much needed wake-up call—when it comes to your financial habits.

Check yourself. Before your wreck yourself.

By Alfred Edmond, Jr.

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Single-black-woman

Living Single? You Still Need to Plan Financially

Could the keys to your financial success be tied up in your relative freedom?

Watch how you spend!

By Jennifer Streaks

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(Image: Thinkstock)

#WealthforLife Wednesdays: Is it Time to Consult a Financial Planner?

After years of doing things on my own I knew it was time to get some professional advice

Before you dismiss the idea of working with a financial planner, find out how they…

By LaToya M. Smith

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woman-computer-internet

Respect Your Money and Your Money Will Respect You

Know yourself and know your money

Not setting aside money for a rainy day leaves you financially vulnerable and emotionally stressed…

By Jennifer Streaks

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air conditioner

How to Stay Cool Without an Air Conditioner: A Beginner’s Guide

The recent heatwave in lots of states doesn't mean you should break the bank

Here are four ways you can keep costs down as the temperature increases so that…

By Darren Sands

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Couple_Shopping_article-small_12991

Keeping Up With Appearances Is Usually a Bad Idea for Your Finances

Why favoring style over substance doesn't pay off

It is better to be upfront and state that you are having financial problems and…

By Jennifer Streaks

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mint iphone app

#WealthforLife Wednesdays: Apps to Manage Your Money

Simplify and organize your finances all in one place

These apps can get you on the right financial track

By LaToya M. Smith

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Plan, Save & Execute: Take Control of Your Money This Summer

Spend your summer months worry-free

We are heading into the busy summer season filled with travel, good food & time…

By Jennifer Streaks

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retirement

Several Factors Determine Best States to Retire in, Expert Says

Bankrate rated the best and worst states to retire in

Relatively cold states with high taxes and a high cost of living such as Oregon…

By Darren Sands

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(Image: Thinkstock)

How to Stay Within Your Budget During Travel Season

Follow these tips and stay on track with your finances

Taking the time to plan ahead for your summer travel can save you serious cash.

By Jennifer Streaks

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(Image: Thinkstock)

#WealthforLife Wednesdays: 4 Steps To Put Your Savings On Autopilot

You're more likely to save if you don't have to think about it

This week’s #WealthForLife focuses on strategies to make your savings goals more attainable.

By LaToya M. Smith

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Disability Insurance An Unnecessary Quandary For Some Millennials, Expert Says

The Hartford's Lindsey Pollak says it doesn't have to take an accident for young professionals to make a claim on disability insurance

Disability insurance could mean the difference between many things

By Darren Sands

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Speaking Up Pays Off When it Comes to Your Financial Goals

Telling others can help them keep you accountable

Discussions around money can be revealing but are sometimes difficult to have, especially if you…

By Darren Sands

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MONEY

Learn to Do What’s Best With a Large Sum of Money

Resist the temptation of splurging on what you don't need

You have suddenly received a large, lump sum of money. So what do you do?

By Jennifer Streaks

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college graduate

5 Financial Tips for Graduating Students

You're well on your way if you can get these down pat

Get a jump on your peers by following these tips.

By Jennifer Streaks

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estate planning

Estate Planning With Your Children in Mind

Leaving money to pay for burial costs as well as to heirs is just part of the estate planning process.

Life insurance payouts can be used to pay off debts and loans, making it possible…

By LaToya M. Smith

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St. Louis Entrepreneurs Get New Help Launching Businesses

Mid-westerners Have Fewer Financial Worries, Rankings Show

No worries: Are they keys to financial freedom found in the midwest?

How does your city rank?

By Darren Sands

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DoILookLikeAnATM jacket 300x232

A Parent’s Guide To Raising Financially Responsible Children

Our first lessons about money come from our parents. Sabrina Lamb's book "Do I Look Like An ATM?" provides a game plan for smarter choices.

Sabrina Lamb’s book “Do I Look Like An ATM?” provides a game plan for teaching…

By Alfred Edmond, Jr.

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File

So You Filed Your Taxes. Now What?

Taking action after you file can get you ahead of the game

A list of things to do April 15th — and beyond.

By Jennifer Streaks

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(Image: Thinkstock)

As Sequester Cuts Take Hold, America Feels the Pinch

President Obama took a pay cut, too

Budgets across dozens of federal agencies and programs were slashed, with employees and administrators taking…

By Darren Sands

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PocketsBrokeMoney

10 Surefire Ways to Go Broke This Year

Wasteful spending isn't the only symptom of a bad financial steward

Budgeting, like anything else that matters in life, takes time. Even essential tax and estate…

By Darren Sands

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(Image: Thinkstock)

Give Your New Graduate A Financial Head Start

Getting young adults on the right path with their finances is the best way to mark a rite of passage to adulthood.

Getting young adults on the right path with their finances is the best way to…

By Alfred Edmond, Jr.

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black-married-couple

It’s Spring Wedding Season: 4 Tips on How to Protect Your Budget

You can only get "more awesome" if you're not getting married by keeping costs low

A few tips for the frugal-minded person.

By Darren Sands

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the underinsured

5 Financial Pitfalls the Underinsured Must Avoid

The already susceptible should be extra careful

Waste no time getting into these tips.

By Darren Sands

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Special Circumstances That Could Affect Your Taxes

Could one of these extenuating circumstances apply to you?

Every year, special circumstances affect millions of taxpayers.

By Jennifer Streaks

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Koli Palu won season nine of NBC's The Biggest Loser and the $100,000 prize. Researchers say financial incentives help people reach their weight loss goals.

Study Shows Financial Incentives Help Weight Loss Goals

Study says participants were motivated by money

Is this a major breakthrough?

By Darren Sands

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Is Clutter Keeping You Back Financially?

Do you think about what financial clutter is doing to your financial goals?

Here are some tips to get rid of that clutter

By Patrice C. Washington

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Do You Know Where Your Money is Going?

Budgeting is still the No. 1 defense against careless spending

How can a budget tell you where your money’s going?

By Jennifer Streaks

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File

CardHub.com Releases U.S. Cities With Best, Worst Budgeters

New York City and Boston are tops on this list

Do you live in a city that can budget?

By Darren Sands

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MONEY

The Truth About Emergency Savings Funds

Tips for saving on any budget

All budgets are not created equal. Here are practical tips for saving in the real…

By Ashley R. Harris

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piggy bank

Financial Woes: Workers are Saving too Little to Retire

New survey reveals Americans are not enough retirement dollars.

Fifty-seven percent of surveyed Americans reported less than $25,000 in savings and investments.

By Gerren Keith Gaynor

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Source: File

5 Smart Money Moves to Make Right Now

Use this time to get your financial goals back on track

It pays to get work smarter in this economic climate.

By Jennifer Streaks

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Revel in Atlantic City, N.J.

3 Budget-Friendly Domestic Spring Travel Destinations

If you save in the spring, you'll have more to work with for the busy summer travel season

These places are worth it if you’re on a budget.

By Darren Sands

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Economy Jobless Claims

A To-Do List for the Long-Term Unemployed

Making sure those looking for employment for a year or more stay on course

Simply looking for a job no longer cuts it in today’s market.

By Jennifer Streaks

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Lending Money in Relationships: A Toolkit

Is lending money to your significant other a smart idea?

It can be very uncomfortable trying to decide whether lending money to someone you’re in…

By Kenny Pugh

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Thinking of Others: How Life Insurance Can Save Your Co-Signer

In the event of an untimely death, life insurance may be a life raft for co-signers

If you’ve ever taken out a loan and had a co-signer, life insurance is something…

By Ashley R. Harris

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Overall Satisfaction among Small Business Banking Customers Drops

5 Apps That Will Simplify Tax Season

Keep calm and use one of these tax mobile apps

Tax apps that will simplify the filing process.

By BlackEnterprise.com

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Tax Cuts Will Leave Lasting Impact on Higher Education

The Pell Grant will be unaffected, but other areas of higher education will feel the sequester

HIgher education may become even more unattainable for some

By Ashley R. Harris

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Close-up of a young businesswoman holding a pair of glasses

On the Importance of Paying Yourself First

Our financial expert says it's time you started paying yourself

Saving money to cover expenses in case of an emergency is one of the most…

By Jennifer Streaks

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ArmyNow

Love and War: Financial Basics for Families Facing Deployment

Deployment doesn't mean deflating family finances, here's a few tips on how to keep them afloat

Money tips for military families.

By Ashley R. Harris

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Eating clean may mean you have to stay away from soul food.

Tips for Eating Clean on a Budget

Buying healthy can be costly, use these tips to curb the expense

Eating clean can pay off large dividends in the long run.

By Ashley R. Harris

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During America Saves Week, Get Serious About Your Financial Plan

New study shows Americans could do better when it comes to drafting a savings plan.

Just in time for America Saves Week is the annual savings survey by America Saves…

By Sheiresa Ngo

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Tips for Using Lent to Recommit to Your Savings Goals

Keep money in your wallet this Lent

Use these tips to get ahead!

By Ashley R. Harris

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(Image: Thinkstock)

How to Formulate a Financial Back-up Plan

Strategies and tips for saving for a rainy day

Tips to set up a back-up plan for your finances.

By Jennifer Streaks

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Protect Your Business from Spring Weather Threats

5 Money Tips: Snowstorm Nemo Edition!

Extreme weather calls for extreme money-saving measures

Don’t get buried under the snow with no money to spend!

By Darren Sands

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college graduate

Financial Planning for College Doesn’t Have to Be Intimidating

With proper planning and budgeting, paying for college doesn't have to drain your finances

Make sure you’re not letting the process of saving for your child’s education intimidate you.

By Ashley R. Harris

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saving-and-investing

Saving Money For a Rainy Day Is Easier Than You Think

These tips can take your saving process to the next level

Four steps to saving more in 2013.

By Jennifer Streaks

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five tips to avoid working weekends

4 Secrets to Successful Budgeting

Learn how to stick to your budget once and for all

Patrice says it’s time to get smarter about the way you’re budgeting your money.

By Patrice C. Washington

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Living in a committed relationship without the benefit of marriage creates unique challenges for financial planning.

Financial Advice for The Committed, But Unmarried

In a long-term relationship, but not ready to put a ring on it? Here are steps to honor your partnership while protecting your finances.

People not married but in long-term committed relationships have many of the same financial concerns…

By Alfred Edmond, Jr.

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(Image: ThinkStock)

4 Tips for Budgeting When Your Income Is Inconsistent

How to create consistency when your money isn’t!

Limited or inconsistent income means you have to be smart with the money you do…

By Patrice C. Washington

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How to Drive Savings Back to Your Wallet at the Pump

Money saving tips to keep you at the pump less and on the road more

According to AAA, gas has crept up only .04 cents to the gallon since last…

By Ashley R. Harris

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(Image: Thinkstock)

3 Ways to Turn Your Idea into an Income Stream in 2013

Getting specific about your goals has a significant payoff

Get serious about turning your ideas into cash.

By Amanda Miller Littlejohn

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MONEY

What You Choose To Believe About Money Matters

Believing you are destined to be rich won't make wealth inevitable. But believing you are born to be poor all but guarantees a life of lack.

There’s no guarantee that believing you are destined to be rich, alone, will make you…

By Alfred Edmond, Jr.

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6 Unlikely Tips to Get Your Financial House in Order

You've heard this advice from time to time, but it's never been more necessary

Six tips to get organized about your finances

By Jennifer Streaks

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Kassondra Perry-Moreland

Meet the Woman Behind the 52 Week Savings Challenge

How one woman’s prayer could help millions save money

One woman’s epiphany is making an impact in social media.

By Patrice C. Washington

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(Image: ThinkStock)

Wellness Travel Big Business in the New Year

Living well can be a costly endeavor, especially when on vacation

Travel could be the key to wellness in the new year.

By Ashley R. Harris

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stack-of-money

Wait ‘Til I Get My Money Right: Top Money Resolutions for 2013

Overall health, physically and fiscally, is within your reach

Get your mind — and money — right in 2013.

By Ashley R. Harris

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5 Tax Changes That Take Effect in 2013

New changes in 2013 mean many families and individuals will need to seek professional tax assistance

Taxes, taxes, taxes. Here are the ins and outs for 2013.

By Jennifer Streaks

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Taking a New Look at Entrepreneurship and Franchising

Our financial expert says it's worth taking a look at franchising from another perspective

Want to start a franchise? It may not be necessary to reinvent the wheel.

By Patrice C. Washington

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How to Avoid ‘Partying For a Good Cause’ This Christmas

Some predators seek to key in on December to target charitable givers

How do you avoid Scrooge this holiday season?

By Darren Sands

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(Image: Thinkstock)

3 Shopping ‘Deals’ to Avoid In December

Look out for bargains at the top of the year on these items

Going for these products now may break the bank.

By Ashley R. Harris

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3 Holiday Shopping Mistakes to Avoid

Keeping the reason for the season in mind will help curb overspending

In the mood to give this season? Be careful!

By Ashley R. Harris

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More retailers opening Thanksgiving Day for their blowout sales

A Reality Check for Black Friday

Shopping until you drop is not worth ruining your financial health—or if it is already poor, making it even worse.

Yes, a healthy amount of holiday spending will be good for our economy, and certainly…

By Alfred Edmond, Jr.

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(Image: Thinkstock)

3 Black Friday Apps That Will Save You Money

Take these tools with you before you hit the stores this Black Friday

Using an app could help you tune out the noise on Black Friday.

By Ashley R. Harris

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Quick Ways to Save Money at Thanksgiving

Save money and time this holiday season

Save money and time this holiday season

By Ashley R. Harris

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Holiday Spending: Don’t Let it Wipe You Out

Making sure your savings are still in tact this holiday season

Just in time for Black Friday, a few tips so you can save more money…

By Jennifer Streaks

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Cash Mobs Support Small Businesses

Spending Wisely on Small Business Saturday

Give local and small businesses a try

Will you support small business Saturday?

By Ashley R. Harris

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(Image: Thinkstock)

How Will Falling Off Fiscal Cliff Affect Your Wallet?

Financial crisis carries immediate, long term effects

Could approaching the fiscal cliff mean your finances are in trouble?

By Jennifer Streaks

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The specialized passport sleeve

Travel Giant Priceline Acquires Kayak

Analysts unsure of what shocker means for web travel industry

Does Priceline’s purchase of Kayak mean cheaper travel?

By Ashley R. Harris

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The Lazy Man’s Guide to Holiday Shopping: Gift Cards

Achieving holiday cheer from the comfort of your couch

Strategies for the gift card buyer in you.

By Ashley R. Harris

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Debra Langford, vice president inclusion and diversity at NBC Universal, offers up some advice during the Power Networking Workshop, hosted by Microsoft.

Who, What, When, Where, How: On Finding the Best Advice

No matter how much you’ve accomplished, everyone needs a little wise counsel

Could you be looking for good advice in all the wrong places?

By Patrice C. Washington

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Kendrick-Lamar-008

5 Money Lessons from Kendrick Lamar’s ‘Money Trees’

From the acclaimed album, lessons on money

What can ‘Money Trees’ teach us about money?

By Darren Sands

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IRS Comissioner Doug Shulman

Is Tax Relief Coming to Sandy Survivors?

For victims and volunteers, help is on the way

The IRS will begin relief to those affected by Hurricane Sandy

By Ashley R. Harris

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banks

Watch Out for These Changes at Your Bank

Consumers will have increased mobile access to information

Changes are on the horizon at some banks

By Ashley R. Harris

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How to Start Your Emergency Fund Now

Plan for the unexpected to avoid financial hardship

Tips for starting an emergency fund

By Ashley R. Harris

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banks

Banks Give Customers Fee Reprieve in Sandy Aftermath

For a short time customers will avoid banking fees

Customers finally get a break from hurricane storm

By Ashley R. Harris

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Shoppers Have More to Spend This Holiday Season

Consumers plan to budget, turn to mobile this season

Consumers will turn to mobile, budget more this season, analysts say

By Ashley R. Harris

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Woman in grocery aisle

5 Ways to Cut Your Grocery Bill Right Now

A penny saved is a penny earned in the grocery aisles

How can you maximize your hard-earned funds in the grocery store?

By Ashley R. Harris

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SoulFood

3 Hottest Food Trends Sure to Eat a Hole in Your Wallet

Tightening your budget may mean you don't have to loosen your belt

Will you be able to avoid the popular trends in favor of a fatter wallet?

By Ashley R. Harris

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Are you ‘Extreme Couponing’ or Just a ‘Hoarder’?

Are you spending more than you're saving with coupons?

Is extreme couponing a healthy concept?

By Ashley R. Harris

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piggy bank

Step 1: How to Set Financial Goals You Can Achieve

Here's part one of three easy steps designed to help you reach more goals in record time

Here’s part one of three easy steps designed to help you reach more goals in…

By Patrice C. Washington

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Financial expert Patrice C. Washington.

5 Lies That Keep You in Debt

Discover what fibs may be costing you financial freedom

These common myths could be keeping you from financial freedom

By Patrice C. Washington

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Money

Scary Easy! Quick Ways to Save Big This Halloween

Goons and goblins alike should get ready to save their pennies

Halloween expenses can add up — here’s how to stem the tide!

By Ashley R. Harris

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What Investors Want to Know

3 Clutch Business Tools For Entrepreneurs

These tools can get you on the fast track to productivity

Thousands of entrepreneurs rely on these web-based business tools.

By Ashley R. Harris

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3 Signs You’re Ready to Become an Entrepreneur

Do you have what it takes?

These signs could lead to a new future for would-be entrepreneurs

By Ashley R. Harris

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Women of Power

Venus Williams

Watch Sonia Alleyne’s Interview with Venus Williams at This Year’s Women of Power Summit [Video]

Venus Williams was one of the featured speakers at this year’s Women of Power Summit.

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Women of Power: Pushing Past Fear To Make Your Next Career Move

At the Black Enterprise Women of Power summit, attendees learn how to push past fears…

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