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The Save-to-Spend Budget

If you'd like to become an avid saver, and/or if you scored in the lower range on our budget quiz, try this Save-to-Spend plan. While most budgets are designed to control spending, this one is designed to expand your saving. And...

Decide When to Refinance

  Q: How do I decide whether it makes sense to refinance my mortgage at a lower interest rate?In this example, imagine that you're refinancing a $160,000, 30-year fixed mortgage that is currently at 6.5%, into a 30-year fixed at 5.5%. Your current...

Join Save UP! DailyWorth's 2010 Saving Challenge

Ready, set ... JOIN Save UP! on DailyWorth, a year-long, savings initiative that will help every DailyWorth member build her net worth. You now have thousands of women (all of us)—your built-in cheering squad and advisory board as you save (and...

Budget Busters

Congratulations, you've got a budget: $400 a month for groceries. $2,000 for rent or mortgage, and 15% of your take-home pay distributed across your six-month emergency savings fund, IRA and 401k. Wait ... nothing left over for savings? You have...

A Penny Saved, Part III

What you don't see, you won't spend. That's the idea behind an automated withdrawal system, which takes money out of your checking account every month and puts it into a savings account. You can create multiple savings accounts, one for a 6-month...

A Penny Saved

Expecting a refund check from the IRS? Most Americans do, and the average refund is over $2,000. Don't use it toward paying bills, buying a new wardrobe or a down payment for a new car or a house. Start an emergency fund. Financial planners think...

Reconsider Your Market

Looking out for your bank account is a good thing. In negotiations, if you're struggling to earn what you think you are worth, reconsider who you're selling to. Mikelann Valterra, founder of the Women's Earning Institute, advises women to take...

Where Has All the Money Gone?

Go ahead and pat yourself on the back for not booking that Mexico trip this year, and for buying the 8 GB iPhone instead of the 16 GB iPhone. Then once you're done congratulating yourself, sit back and look at the bigger picture. Are you spending...

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