Tag Archives: saving

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[SURVEY] African Americans Face Financial Challenges, Yet Remain Positive

Voice your insights on key financial topics for your household below

Massachusetts Mutual Life Company (MassMutual) took an in-depth look at African American household finances to…

By Sheiresa Ngo

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Window shop ahead of time

Once you’ve made your list of must-have items, find out which retailers carry them in the sizes you will need. Don’t wait until the day of to start your search for the perfect gift. One of the perks of shopping online is that you can window show 24/7 so get to browsing so you don’t waste time later searching a site with great sales for everything but what you’re looking for.

Consumer Tip of the Day: Diversify Online Shopping Sources to Find Deals

Website finds that Amazon may not be saving you money all the time

A recent report from Savings.com reveals that Amazon doesn’t always have the lowest prices, therefore,…

By Sheiresa Ngo

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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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Report Finds Differences in Retirement Savings Habits

Roth IRA investors tend to be consistent savers

A recent report shows in any given year, more than three in 10 Roth IRA…

By Sheiresa Ngo

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Money Expert Marsha Barnes Shares Top 10 Savings Tips

How to live well on less

In our fourth and final installment of the money management series with Marsha Barnes, she…

By Sheiresa Ngo

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Money Expert Marsha Barnes Shares Her Budgeting Tips

You can live well on less

If you have a hard time sticking to your budget, you’ve come to the right…

By Jennifer Streaks

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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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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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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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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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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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Set Yourself up for Financial Success [Infographic]

MetLife provides money management tips for young adults

Paying careful attention to your finances is the key to achieving financial freedom

By Sheiresa Ngo

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How We Manage Money in the U.S. [Infographic]

A snapshot of how people in the United States approach finances

Get a peek into how people in the United States approach household finances, budget preparation,…

By Sheiresa Ngo

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Do’s and Don’ts of Starting an Investment Club

Here’s how to get on the right foot.

Investment clubs provide a great way to learn about investments and the stock market.

By Tamara E. Holmes

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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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Help Mom Build Wealth for Mother’s Day

She's spent your whole life investing herself in you. Doesn't she deserve financial security for herself?

Your mother has probably spent your entire life investing in you. Mother’s Day is a…

By Alfred Edmond, Jr.

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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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Take control of debt. “The rich rule over the poor, and the borrower is servant to the lender.” —Proverbs 22:7

Should You Focus On Reducing Debt, Saving Or Investing?

It's a trick question: Everything you do with your money is an investment. But debt reduction is one of the best you can make, with guaranteed returns.

Should you focus on debt reduction, saving or investing? It’s a trick question. Everything you…

By Alfred Edmond, Jr.

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Tai & Tarin Perry, co-founders of DoubleSavingDivas.com

Black Blogger Month: Double Saving Divas, Shopping with a Purpose

Twins Tai and Tarin Perry preach the importance of saving and budgeting to the person who needs it most—you

With Double Saving Divas, twin entrepreneurs Tai and Tarin Perry provide people of color with…

By Aliya Ewing

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The Right Way to Use Coupons for Big Savings

The process can be worth the time investment to cut costs

Here are four tips on how to work those coupon savings in your favor.

By Sheiresa Ngo

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7 Simple Facts About Saving Money

How much do you know about saving for a rainy day? Here are seven facts you need to know from AmericaSavesWeek.org

How much do you know about saving for a rainy day? Here are seven facts…

By Sheiresa Ngo

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Emmanunel Twum

A Savings Lesson Well Learned

Parental tough love set Emmanuel Twum on the path to responsible spending

One of the toughest lessons Emmanuel Twum learned his freshman year in college had nothing…

By LaToya M. Smith

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MoneyTips for New College Grads

Five ways to manage your cash so you’re equipped for the “real world”

When Sharece Hall, 25, was a student at the Georgia Institute of Technology, she, like…

By Brittany Hutson

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Playing Catch-Up

To reach their retirement goals, Lee and Tayo Ferguson must save more and spend less

Lee and Tayo Ferguson have all the trappings of middle-class success: two stable careers, a…

By Carolyn M. Brown

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5 Financial Pitfalls to Avoid When You Come into New Money

Music producer Chuck Harmony shares advice on how to handle success the fiscally smart way

Over the years, producer <strong>Chuck Harmony</strong> has worked with everyone from <strong>Celine Dion</strong> (“I Got…

By Anslem Samuel

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Save For a Rainy Day!

Join the America Saves Week Challenge this week and learn how to stash your cash

February 20 through February 27 is America Saves Week. Take on this week’s challenge to…

By Sheiresa Ngo

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Retiring Rich: Asset Allocation 101

Advice, tips and strategies you can use now to ensure a secure retirement in the future

Asset allocation or balancing risk and reward based on your retirement timeline is important to…

By LaToya M. Smith

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Budgeting Insider: 5 Ways to Trim Your Budget

Your guide to managing every day finances

Times are tough. The economy is still on the rocks, and your financial life has…

By Sheiresa Ngo

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Money Expert Q&A: A Financial Fast to Curb Unnecessary Spending

Insider tips on how to build and manage wealth

Money expert and author Michelle Singletary talks about how to approach a financial fast to…

By Janell Hazelwood

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Teens Don’t Understand the Importance of Budgeting A quarter of teens say they are unsure if they will be able to effectively budget their money during their lifetime, according to the results of a Junior Achievement/Allstate Foundation survey. Of the 22% who currently don’t use a budget, almost half admit they just aren’t interested in money management.

Talking Points: Interracial Marriage, Budgeting, Vacations

What people are discussing this month

A record 14.6% of all new marriages in the U.S. in 2008 were between people…

By Deborah Creighton Skinner

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What the Future Holds for Consumers

In 40 years, �the customer is always right� will be more than a catchphrase

I remember how excited my husband and I were when we first ordered groceries online.…

By Sheiresa Ngo

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Amazing Savings

Secrets to scoring great deals on just about everything

Just because you’re keeping a close eye on your finances doesn’t mean you have to…

By Aisha I. Jefferson

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Middle-class African Americans are more likely than whites to have cut back on saving and investing in order to make it through the recession, according to the 2010 Ariel Black Investor Survey. The data is not unexpected since the unemployment rate for African Americans (15.4%) continues to track higher than the overall jobless rate for all Americans (9.5%). “In times of economic hardship, people have to make difficult decisions,” said Mellody Hobson, Ariel president and columnist for Black Enterprise magazine. “Unfortunately, the resulting trade-offs mean many in our community are slipping even further behind.”

African American Investors are Down, but Not Out

Cutting back on saving and spending, helps blacks make it through recession

Middle-class African Americans are more likely than whites to have cut back on saving and…

By Deborah Creighton Skinner

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10 Reasons You’re Still Broke

Does it seem like there's a perpetual hole in your pocket? Here's why.

I often hear people say, “I have a steady job, so why am I still…

By Sheiresa Ngo

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Credit Where It’s Due

As large banks fall out of favor, more consumers are turning to credit unions. Here�s why.

When Jeremy Treadwell needed a car loan, the recent college graduate turned to the financial…

By Robin White Goode

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End Your Comfortable Relationship With Debt

Financial freedom gives you real control over your life, but it comes at a price

In many cases, the biggest determiner of whether or not you achieve financial independence lies…

By Patricia Stallworth

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Investing Rules for Women: Invest for Your Retirement

Once you start putting money in that retirement purse, don't take it out

There are countless resources available to help you learn the fundamentals of investing. This week,…

By Sheiresa Ngo

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Investing Rules for Women: Educate Yourself

Learning the ins and outs of investing, saving, and budgeting

nce you start investing, it’s important not to lose sight of your financial goals. Whether…

By Sheiresa Ngo

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Food for the Journey

Budgets are necessary tools to help you reach your financial goals. Here's how to get started

According to Napoleon, an army marches on its stomach. On our journey we need something…

By Patricia Stallworth

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How Do I Make Money Now?

It takes time to reach your financial goals, but you can take steps to ensure a smoother journey

Sooner or later there comes a time on every journey, real or virtual when someone…

By Patricia Stallworth

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Is Your Money Working For You?

Take time to set goals and prioritize where you want your money to go

So often, we live in the day-to-day, allowing the demands of the present to swallow…

By Patricia Stallworth

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When Two Becomes One

How to rebound when your income has dwindled

Pat Houston, 38, remains one of the 14.5 million unemployed, according to the July 2009…

By Sakina P. Spruell

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Investing in the Future

Larry and Brenda Breland devised a savings plan that funded their retirement and put their children through college

Educating young minds for some 30 years is no small feat. But it was a…

By Carolyn M. Brown

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Saving the Green While Going Green

How energy efficiency can help your bottom line

You’ve probably heard proponents pushing the case for everything green – from organic cosmetics to…

By Janell Hazelwood

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Be Financially Fit!

Retirement planning is not just for the wealthy, says author Aaron W. Smith.

By LaToya M. Smith

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Penny-pinching and Prudent

Surely, no one needs to tell you we’re in a crisis. It’s all around you.…

By Donald Jay Korn

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1. I Will Live Within My Means

Many people get into a bad habit of spending more than they earn or spending…

By Carolyn M. Brown

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1. Make sure your investment portfolio has exposure to emerging markets like China and India. They recommend that no more than 10% of your portfolio holdings should be invested in these assets.

4. I Will Save At Least 10% of My Income

It’s not enough to just make ends meet with the salary you are earning. You…

By Carolyn M. Brown

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6. I Will Devise an Investment Plan for My Retirement Needs and Childrens’ Education

The reality is that your chances of building wealth are optimized when you invest. It…

By Carolyn M. Brown

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7. I Will Ensure That My Entire Family Adheres to Sensible Money Management Principles

Talking about money matters at the dinner table may not have been polite conversation long…

By Carolyn M. Brown

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9. I Will Guarantee My Wealth is Passed On To Future Generations Through Proper Insurance and Estate Planning

Let’s face it: Nobody lives forever. No matter how much you want to deny it,…

By Carolyn M. Brown

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A Reality Check for Christmas

Let's remember a generation that didn't just talk about fiscal responsibility, but lived it: the survivors of The Great Depression.

Most of us know the principles of responsible money management: Habitual saving and controlled spending.…

By Alfred Edmond, Jr.

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Reinforcing Principals of Personal Finance

The ripple effect of an economic bust

Purse strings are being pulled tighter than ever as consumers brace for the ripples of…

By Renita Burns

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