November 26, 2014 1:34 AM • Log InREGISTER
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Updates to Flexible Spending Accounts for 2015 Ways to Save When Finding Your First Apartment Study: Men and Women Equally Guilty of Impulse Shopping How to Use Life Insurance To Protect Your Wealth Why Do 1 in 4 Women Take a Backseat When it Comes to Finances? Living Single: 5 Easy Money-Saving Tips for Young Adults Fidelity Study: 1 in 4 Women Don’t Take the Lead When it Comes to Finances How to Manage Finances for Senior Family Members How to Teach Children About Money Survey: African Americans Put Family First When Making Financial Decisions Infographic: Pre-Sale Car Fixes to Help You Get More Money Back How Millennials Can Score in the Game of Wealth Building Merrill Lynch Study Explores Impact of Health on Retirement ICBA Study: Millennials Value Community Banks, Want to Be Bosses Money Advice for the Sandwich Generation How to Run Your Home More Like a CEO 10 Worst States for Student Loan Debt Consumers Cut Back on Spending Survey: Millennials Rely on Personal Networks for Financial Advice 4 Things No One Has Ever Told You About Budgeting ATM Overdraft Fees Reach All-Time High Infographic: The Financial Lives of Working Mothers Cost of Caregiving Takes Many by Surprise Timeshare Nightmare: Waking Up & Walking Out Can Be Just A Pipe Dream Back-to-School: CFPB Works to Protect Student Veterans Hospitals Team Up with Banks to Offer Interest-Free Loans September is Life Insurance Awareness Month Infographic: Tips for Managing Your Student Loan Consumer Tip: Watch Out for Hidden College Costs Infographic: Navigating the World of Financial Aid Infographic: Best Practices for Purchasing Life Insurance Infographic: Save on Labor Day Travel Consumer Tip of the Day: Negotiating a Financial Aid Package Consumer Tip of the Day: Track Spending Survey: Healthcare Providers Fall Short in Providing Cost Transparency Infographic: How Much Do You Spend on Coffee? Infographic: Car Insurance Mistakes Infographic: Ways to Tame Your Spending Least Expensive States to Own a Car Infographic: Student Loan Debt is Ruining Your Finances Most Expensive States to Own a Car Don’t Wait To Plan Your Holiday Shopping Family Affair: How One Couple Keeps Household Finances in Order Poll: Consumers Losing Sleep over Money and Working at Miserable Jobs Study: Many Data-Breach Victims Don’t Fight Back Personal Finance Trivia: What Do You Know About U.S. Currency? Infographic: Grandparents Influence Grandchildren’s Money Views 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

Money > Planning & Budgeting

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Updates to Flexible Spending Accounts for 2015

Be aware that Flexible Spending Accounts are going through a few changes next year.

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Photo: Apartment Therapy

Ways to Save When Finding Your First Apartment

Cut costs when finding your first apartment

Photo: Apartment Therapy
If ever in your teenage years you mumbled, “I can’t wait to get…

By Essence Gant

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(Image: Shutterstock)

Study: Men and Women Equally Guilty of Impulse Shopping

The need to for instant gratification gets the best of us all

A CreditCards.com report reveals that three in four adult Americans have made impulse purchases.

By Essence Gant

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seniors-smiling-couple

How to Use Life Insurance To Protect Your Wealth

Find the right policy to ensure security at any age

Being financially prepared for a breadwinner’s death saves families from the added grief of losing…

By Cliff Hocker

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black-businesswoman-620x480.jpg

Why Do 1 in 4 Women Take a Backseat When it Comes to Finances?

Fidelity's Kristen Robinson weighs in

Roughly 1 in 4 women are not taking part in household financial decision making.

By Sheiresa Ngo

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(Image: Thinkstock)

Living Single: 5 Easy Money-Saving Tips for Young Adults

What other money saving tips can you think of? Share below

Living single in your 20′s? Help maximize your funds by trying these five easy money…

By Essence Gant

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black woman texting

Fidelity Study: 1 in 4 Women Don’t Take the Lead When it Comes to Finances

Don't let your lack of confidence hold you back

Many women will become the sole financial decision maker at some point in their lives.…

By Sheiresa Ngo

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seniors-smiling-couple

How to Manage Finances for Senior Family Members

Finance leader Carla A. Harris shares insights on healthcare and cost-of-living planning

Finance leader Carla A. Harris shares how to manage finances for the elderly.

By Raqiyah Mays

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Mom-With-Kids-300x232

How to Teach Children About Money

Author Sabrina Lamb offers advice on starting money management training early

Author and financial expert Sabrina Lamb teaches parents how to teach children about money management.

By Raqiyah Mays

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Image: Thinkstock

Survey: African Americans Put Family First When Making Financial Decisions

Who influences your money choices? Voice your opinions on key financial topics below

The presence or absence of a sound financial foundation directly impacts overall well-being.

By Sheiresa Ngo

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car insurance

Infographic: Pre-Sale Car Fixes to Help You Get More Money Back

A few upgrades can mean more money in your pocket

Simple fixes could make a world of difference.

By Sheiresa Ngo

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How Millennials Can Score in the Game of Wealth Building

Conserve your cash, increase your financial acumen, and invest money in vehicles that produce solid long-term returns

Millennials, when should you start planning for your financial future? Today. Here’s how.

By Earl "Butch" Graves Jr.

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old-black-couple-smiling

Merrill Lynch Study Explores Impact of Health on Retirement

Poor health can ruin your wealth

Poor health can mean significant retirement challenges, so staying in top condition is important.

By Sheiresa Ngo

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Source: File

ICBA Study: Millennials Value Community Banks, Want to Be Bosses

New research analyzes opinions and values of generation Y

Roughly 46% of the respondents reported that they are interested in learning the process of…

By Sheiresa Ngo

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Image: Thinkstock

Money Advice for the Sandwich Generation

Don't let competing demands ruin your retirement plans

Many Sandwichers say their adult children pose more of a financial strain than their parents.…

By Sheiresa Ngo

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Black-Working-Mothers-620x480

How to Run Your Home More Like a CEO

4 tips for time & budget management from a business development expert

All successful CEOs have one thing in common: They’re able to maintain a big-picture perspective.…

By Carolyn M. Brown

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student loan

10 Worst States for Student Loan Debt

Is your state one of them?

Personal finance website Wallet Hub recently conducted a study highlighting the best and worst states…

By Sheiresa Ngo

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Consumers Cut Back on Spending

Are you doing some belt tightening?

Two-thirds of Americans are reducing their monthly spending. One of the main reasons is the…

By Sheiresa Ngo

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Survey: Millennials Rely on Personal Networks for Financial Advice

Generation Y is getting more serious about money management

Young people are demonstrating an interest in taking an active role with their finances.

By Sheiresa Ngo

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Budgeting-620x480

4 Things No One Has Ever Told You About Budgeting

Before you make a financial plan, take these steps

There are some hard truths you must know before creating a good budget that will…

By Patrice C. Washington

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MONEY

ATM Overdraft Fees Reach All-Time High

It will cost you more if you bank outside the network

The average overdraft fee of $32.74 set a new record high for the 16th consecutive…

By Sheiresa Ngo

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Infographic: The Financial Lives of Working Mothers

More working mothers are the heads of their household

Roughly 40% of working mothers are taking the lead when it comes to providing for…

By Sheiresa Ngo

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old-black-couple-smiling

Cost of Caregiving Takes Many by Surprise

Caring for loved ones can take a toll

A little under half of family caregivers say they spend more than $5,000 annually on…

By Sheiresa Ngo

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hacienda2a

Timeshare Nightmare: Waking Up & Walking Out Can Be Just A Pipe Dream

A valid, binding contract almost impossible to get out of

(Image: Instagram)
On a vacation in Mexico six years ago, Jessica Martinez and her husband took…

By Richard Spiropoulos

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TD Bank offers Franchise Financing Options for Veterans

Back-to-School: CFPB Works to Protect Student Veterans

The organization aims to shield veterans from abusive and deceptive recruiting practices by schools

The Consumer Financial Protection Bureau is looking to help veterans looking to go back to…

By Sheiresa Ngo

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MoneyandHealth

Hospitals Team Up with Banks to Offer Interest-Free Loans

Will this hurt or help patients?

One hospital has created a new payment option that will help patients pay for the…

By Sheiresa Ngo

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Life-Insurance-620x480

September is Life Insurance Awareness Month

An overview of life insurance buying habits

Many people put off buying life insurance until a major life event occurs. That’s not…

By Sheiresa Ngo

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

Infographic: Tips for Managing Your Student Loan

Here's what to do before contacting the ombudsman

Here are a few helpful tips for managing your student loans.

By Sheiresa Ngo

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money

Consumer Tip: Watch Out for Hidden College Costs

Be mindful of these budget busters

College is an expensive venture. Don’t kill your budget by not taking into account some…

By Sheiresa Ngo

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(File)

Infographic: Navigating the World of Financial Aid

A quick guide to making sense of the financial aid system

Figuring out the ins and outs of financial aid can be overwhelming. Here are some…

By Sheiresa Ngo

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Life-Insurance-620x480

Infographic: Best Practices for Purchasing Life Insurance

Tips for buying life insurance

Here are a few tips for purchasing life insurance.

By Sheiresa Ngo

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(Image: Thinkstock)

Infographic: Save on Labor Day Travel

Keep more cash in your pocket

Use these tips will save you money this holiday. Check out this infographic breakdown.

By Sheiresa Ngo

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(File)

Consumer Tip of the Day: Negotiating a Financial Aid Package

Use these tips to get a better deal

Expect to pay $22,826 for tuition at an in-state public college and $44,750 at a…

By Sheiresa Ngo

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piggy-bank

Consumer Tip of the Day: Track Spending

Tips for getting a handle on your cash

Check out this money-saving strategy.

By Sheiresa Ngo

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MoneyandHealth

Survey: Healthcare Providers Fall Short in Providing Cost Transparency

Consumers are consistently shocked by their medical bills

Consumers are almost always surprised by out-of-pocket medical costs.

By Sheiresa Ngo

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Infographic: How Much Do You Spend on Coffee?

How those small purchases add up to big losses for your pockets

Do you buy coffee every morning? Here’s how those seemingly small purchases add up to…

By Sheiresa Ngo

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Infographic: Car Insurance Mistakes

Don't make these blunders

Take advantage of overlooked perks.

By Sheiresa Ngo

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Infographic: Ways to Tame Your Spending

Tips for keeping cash in your pocket

Check out these quick tips on how to tame your spending and save more money.

By Sheiresa Ngo

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piggy-bank

Least Expensive States to Own a Car

Is your state on the list?

If you own a car in one of these states, you’ll have a little extra…

By Sheiresa Ngo

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Infographic: Student Loan Debt is Ruining Your Finances

Here's how "good debt" is making you poor

Prepare to eat beans noodles for a very long time.

By Sheiresa Ngo

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piggy banks-300x232

Most Expensive States to Own a Car

Is your state on the list?

If you own a car in one of these states, expect a lighter wallet.

By Sheiresa Ngo

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shopping-620x480

Don’t Wait To Plan Your Holiday Shopping

Tips and strategies to handle holiday spending without destroying your finances

The 2014 holiday season is a few short months away, yet many are financially unprepared…

By BLACK ENTERPRISE

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Image: Thinkstock

Family Affair: How One Couple Keeps Household Finances in Order

Anisha and Russ Bailey are serious about saving money

Anisha and Russ Bailey talk family finances and how they’re able to juggle it all.…

By Sheiresa Ngo

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Single-black-woman

Poll: Consumers Losing Sleep over Money and Working at Miserable Jobs

What are you losing sleep over?

If you can’t sleep because you’re underpaid and hate your job, join the club.

By Sheiresa Ngo

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Fraud-300x232

Study: Many Data-Breach Victims Don’t Fight Back

Don't make it easy for fraudsters

Consumers underestimate the likelihood they will become the victim of a security breach.

By Sheiresa Ngo

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(Image: Thinkstock)

Personal Finance Trivia: What Do You Know About U.S. Currency?

Your daily money bite

Learn some fun facts about U.S. currency.

By Sheiresa Ngo

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old-black-couple-smiling

Infographic: Grandparents Influence Grandchildren’s Money Views

Seniors have more impact than you think

Grandchildren are open about talking money with their grandparents.

By Sheiresa Ngo

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

New Social Security Rule Affects Boomers

Those who've had both private and public jobs may see adjustments

Social Security is calculated in favor of low wage earners.

By Sheiresa Ngo

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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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know-your-banker

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

Posted:
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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be-home-logo

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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(File)

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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signing-documents-298x285.jpg

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

Posted: Tags: ,
"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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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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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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Image: Thinkstock

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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#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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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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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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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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elderly-mom-300x232

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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capitol_hill-300x232

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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Women of Power

Image: File

Female Leaders Winning: Bethann Hardison, a Leader in Fashion

Fashion industry leader Bethann Hardison talks her journey to diversify the industry.

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black womna running with suit

United Nations Hosts Women’s Entrepreneurship Day

On Nov. 19, the UN celebrates female entrepreneurs of 144 countries.

Read More »