Personal Finance Information


Strategies for Success


Holy Shenanigans! More STUFF?Loosing one's business due to lack of personal control is a sad thing. I've watched many people do just exactly that.

Bankruptcy Chapters Explained


Chapter 7The potential chapter 7 debtor should understand that a straight bankruptcy case does not involve the filing of a plan of repayment as in chapter 13, but rather envisions the bankruptcy trustee's gathering and sale of the debtor's nonexempt assets, from which holders of claims (creditors) will receive distributions in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors.

I Want to Buy a Home - Now What?


If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there.

Save Money on Groceries: Part I


One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store to get it.

Benefits of Personal Finance Software


In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care of on your computer through personal finance software.

Reporting Identity Theft


Would you know what to do if you suspect that your personal information had been stolen and used by thieves to open new accounts? It's important that you take the right actions to clear your name as quickly as possible.In 2005, the laws were changed to allow anyone to review their credit report yearly without having to pay a fee.

Top 10 Ways Managing Your Money Is Just Like Riding a Bike


An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating early miles of the sprint stages, my mind wandered a bit, and it occurred to me that there are some interesting parallels between winning the Tour de France and winning at personal finance.

How To Protect Yourself Against Identity Theft


Identity theft is a serious crime that continues to grow. If you become a victim of identity theft, you may spend months, or years, trying to repair the damage.

What is ChexSystems?


Commonly referred to as the first of the three major "Check Systems" in the U.S.

Budgeting Made Easy


Well, dang! From what I've heard and read, it looks like we've reached an all-time world-class new record in the amount of personal debt on the books. Now it's probably not quite as bad as we've been led to believe, however many of us have managed to tromp further than we should have into the financial swamp.

10 Quick And Cheap Ways To Cut Your Heating Bill


When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills last winter in the hundreds of dollars. Your bill probably wasn't that bad but I'm guessing that it was a lot higher than you would have liked.


More Resources


04/23/2024
Insurance - NerdWallet
Looking for the cheapest car insurance? Want to find the best home insurance policy? Wondering what type of life insurance you need? We’re here to help. Compare companies, read reviews and see our best picks — all on NerdWallet.


more info


04/23/2024
Travel Money Hub: Loyalty Programs, Cards, and More - NerdWallet
Dreaming of a vacation? We've got the tools and tips to help you compare and find the smartest travel credit cards and loyalty programs. Future you will thank you.


more info


03/26/2024
New Robinhood Credit Card Will Earn 3% Back on Most Purchases - NerdWallet
The Robinhood Gold Card won't have an annual fee, but to get the card you must be a Robinhood Gold member, which costs $5 a month as of this writing.


more info


03/26/2024
3 Ways AI Could Transform Your Insurance Policy - NerdWallet
As insurers use artificial intelligence to make better predictions, AI technology could spur major changes for insurance customers. Learn more about what to expect.


more info


03/26/2024
Taryn Phaneuf, Lead Writer - NerdWallet
Taryn Phaneuf is a lead writer at NerdWallet. She previously spent more than a decade reporting on business, education and public policy for local news outlets.


more info


03/26/2024
Financial News - NerdWallet
NerdWallet reporters bring you the latest in financial news, with a focus on what it means for your wallet.


more info


03/26/2024
Lottery Pool? Take These Precautions Before Diving In - NerdWallet
A lottery pool can be a thrilling way to socialize with coworkers. But if luck strikes, the stakes can be a lot higher. Here's how to avoid legal tangles.


more info


03/26/2024
Latest FAFSA Error Affects Aid for 200K, Offers for Everyone Else - NerdWallet
The Education Department miscalculated the financial need of roughly 200,000 dependent students who submitted FAFSAs before March 21 — nearly 15% of processed forms. Those students could get less aid than they expect, and everyone else might face further delays.


more info


03/26/2024
What’s at Stake as the Supreme Court Hears an Abortion Pill Case? - NerdWallet
The U.S. Supreme Court is hearing oral arguments in FDA v. Alliance for Hippocratic Medicine, a case that could limit access to mifepristone.


more info


03/26/2024
Best Balance Transfer Credit Cards of March 2024 - NerdWallet
Save money while getting out of debt by doing a balance transfer: Moving debt to a card with a 0% introductory interest rate and low fees.


more info


03/26/2024
Best 0% APR and Low Interest Credit Cards of March 2024 - NerdWallet
Using a credit card with an introductory 0% APR period can save you big money when financing a major purchase. See all of our expert recommendations.


more info


03/26/2024
Best Cash Back Credit Cards of March 2024 - NerdWallet
Cash back is the most flexible credit card reward, since you can use it for anything. Our list will help you find the perfect card for the way you spend.


more info


03/26/2024
New Breeze Airways Credit Card Takes Flight With Up to 10X Back - NerdWallet
Airline also launches Breezy Rewards, the airline’s loyalty program, which supercharges rewards earned with the credit card.


more info


03/25/2024
Buying Life Insurance if You're Transgender - NerdWallet
Your gender identity doesn’t impact your eligibility for life insurance, but there are a few things to be aware of when you apply. Learn more now.


more info


03/25/2024
Egg and Chocolate Prices Are Hopping — Just in Time for Easter - NerdWallet
Bad weather and disease are straining the supply of cocoa. Meanwhile, another outbreak of bird flu is pushing up egg prices again.


more info


03/24/2024
Jae Bratton, Lead Writer - NerdWallet
Jae Bratton is a writer on the credit cards team at NerdWallet.


more info


03/24/2024
Mega Millions, Powerball Jackpots Near Combined $2 Billion - NerdWallet
The Mega Millions jackpot is now $1.1 billion, while Powerball has grown to $865 million. Mega Millions will be drawn on Tuesday night; Powerball on Wednesday.


more info


03/23/2024
Government Shutdown Threat Finally Put to Rest — For Now - NerdWallet
Congress missed its midnight deadline, but shortly thereafter approved the final set of appropriations in a $1.2 trillion spending package. The last-minute deal prevents a government shutdown that would have furloughed government workers.


more info


03/22/2024
Alaska Access: The New Subscription Service from Alaska Airlines - NerdWallet
Like its existing Flight Pass subscription, Alaska Access could be a good deal for frequent Alaska flyers looking to get the best deals with the airline.


more info


03/20/2024
American Airlines To Add Streaming and Free Wi-Fi - NerdWallet
American Airlines says it will be the first airline to offer video streaming capabilities on its entire mainline fleet. It is also offering free Wi-Fi with ads.


more info


03/20/2024
Fed Chair Powell: Rate Cut Risks Are ‘Two-Sided’ - NerdWallet
For the fifth time in a row, the Federal Reserve paused the federal funds rate at 5.25%-5.50% as Americans continue to wait for lower rates to cut costs on mortgages, credit cards and other loans.


more info


03/20/2024
Tailpipe Emission Rules Give Automakers More Time to Ramp Up EVs - NerdWallet
New stricter rules for vehicle emissions are expected to roll out more slowly than initially proposed last year, which gives automakers more time to beef up electric vehicle stock.


more info


03/20/2024
Powerball Hits $750M as Mega Million Jackpot Nears $1B - NerdWallet
The estimated Mega Millions jackpot is $977 million, while Powerball has grown to $750 million. Drawings are Friday and Saturday respectively.


more info


03/18/2024
How Is the Economy Doing? - NerdWallet
The state of the economy is generally strong and inflation is slowing down, but still remains elevated. The Federal Reserve is looking at key economic indicators to signal it’s time to cut rates.


more info


03/18/2024
Caitlin Mims, Content Mangement Specialist - NerdWallet
Caitlin Mims is a content management specialist on the credit cards team at NerdWallet. She has covered credit cards, credit scores and retirement planning.


more info



More Personal Finance Information:

Related Articles


How To Free-Up 10% to 15% of Your Income
Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind.
10 Steps to Take if You Are a Victim of Identity Theft
There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.
The Joys of Address Labels
Address labels are many things to many different people. If you are a huge fan of address labels, you aren't alone.
Identity Theft is a Major Problem: Whose Responsibility is It to Protect the Consumer?
We have heard a lot about consumers' personal information getting into the hands of identity thieves. More and more people are taking steps to minimize their exposure to such theft by reducing information on personal checks, refusing to share social security numbers with just anyone who asks, being prudent in their use of credit cards, and shredding "junk" mail that might allow another person to pose as them.
First Checking Account - When is it Time?
We all know that money doesn't grow on trees, but we all need it to survive. The use of cash will only go so far in life, as you can't send it through the mail.
Kundalini Lessons - Money
I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.
5 Ways to Absolutely Destroy Your Finances!
Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.
Top 10 Ways Managing Your Money Is Just Like Riding a Bike
An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating early miles of the sprint stages, my mind wandered a bit, and it occurred to me that there are some interesting parallels between winning the Tour de France and winning at personal finance.
How To Get Ahead On A Low Income
Do you struggle from week to week trying to make ends meet? Are you consistently going without things that you really wish you could afford? Well I have some possible and practical solutions to your dilemma:1. TIPS TO HELP YOUR BUDGET STRETCH FURTHER.
How to Obtain a Non ChexSystems Bank Account Without Being Scammed
Predatory lending exists in the mortgage industry. It's typically when a mortgage broker add's on unnecessary fee's to a bad credit application, because he or she knows that the applicant is in a desperate situation.
Money Saving Tips. Maximize Savings on Everyday Items!
Frugal living is more than a lifestyle. It's a passion.
Budgeting Before Buying
With interest rates being at an all-time low, I can understand the urgency for people wanting to purchase a home. But I caution the first-time home buyer to learn how to budget their money before buying a new home.
Credit Card Debt - Watch Your Credit Report and Your Bill
Most consumers are aware of the importance of their credit report. This document, offered to consumers and lenders by the three major credit bureaus, offers a fairly complete list of financial transactions and debts incurred by a consumer.
Take Control and Master Your Kitchen
Those who keep a watchful eye on where their money is spent, have long conquered the kitchen woes. No last minute panic trips to the market.
A Fresh Start for Family Finances in 2005
While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.
Vesting and Your 401(k)
Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions.
The World is Not Enough - Calling for a More Ethical Approach to Personal Finance
At a time when the entire world's attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and the various anti-poverty marches, it seems that everyone wants the world's governments to behave more ethically towards the manner in which international finance is conducted. This is obviously a laudable attitude to take, and has gained immense momentum with such a groundswell of public opinion that even the UK Chancellor, Gordon Brown, has stated he is planning to participate in the Make Poverty History demonstration in Edinburgh during the G8 summit.
The Changing Shape of Family Finances
Super-mumsIt seems that the proof of maternal efforts is no longer found in the pudding ? it's in the spending. Women are increasingly outsourcing personal grooming tasks and the pressure of looking good, feeling healthy, maintaining a tight ship and IQ level has meant that housecleaning and gardening are again fashionable methods to promote the family brand; housewifery is now a career, with all the attitude of 21st century post-feminism.
Affording a Home
Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six months before buying the home.Although buying a new home may seem like an American Dream or romantic venture, the reality is that the house you can afford depends on your current income and debt obligations.
How to Choose Wisely a Credit Card
So, you've made the decision to apply for a credit card. It's an important step for any consumer.