Personal finance systems for spending, saving, debt, and investing.
Education & Certification
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Insurance
Here is the scenario: You and your spouse are approximately the same age, and are asking yourselves and your financial guru about social security benefits. Chief in your minds is how to maximize social security benefits for a married couple. You are approaching the age when you need to make decisions about taking Social Security...
Apr 18, 2026

Investing
One thing Americans have in common at every age: Our average retirement savings are seriously lacking. Here’s a decade-by-decade breakdown.
Apr 4, 2026

Investing
Working on paying off credit card debt? You’re not alone. These five tried-and-true techniques can help you start making a dent in it right now.
Apr 4, 2026

Debt Management
Credit card interest could be destroying your finances. Credit card debt consolidation loans are a simple way to refinance your debt to cut interest rates. Here’s a simple way to get one.
Apr 4, 2026

Investing
Low credit score keeping you down? Here’s what happens when late payments get wiped from your credit history — and how many points your score can go up.
Apr 4, 2026

Budget Planner
Experts generally recommend keeping rent below 30% of your gross pay, but there are nuances to consider.
Apr 25, 2026

Budget Planner
It’s no mystery to me why fast fashion has blown up over the last several years. Trend cycles are getting shorter and basic necessities are getting more expensive. It actually makes perfect sense why you’d want to buy something that’s in style for as cheap as possible, because who knows how long it will stay...
Apr 18, 2026

Budget Planner
Adam Palasciano is a personal finance-obsessed and money-savvy individual who loves to create content on all things saving and making money. His work also appears on GoBankingRates, Investopedia, FinanceBuzz and The Smart Wallet.
Apr 18, 2026

Budget Planner
A 0% introductory APR on a credit card can save you money if you use it responsibly. Here's what you need to know about how this offer works.
Apr 4, 2026

Budget Planner
Veronica Leone Matthews is a contributing writer at The Penny Hoarder. She has an Ed.D. in Educational Program Development and a Master’s in Liberal Arts from the University of South Florida. She has more than 10 years of experience writing for non-profits and higher education. Veronica lives in the mountains of Western North Carolina and writes on lifestyle topics.
Apr 18, 2026

Debt Management
Yes, you want to see the dorms, the library and the student union, but you should add the financial aid office to your list for the campus tour. It’s an essential stop to get your financial aid questions answered — but you’ll need to do more than simply show up. That’s what Certified Financial Planner...
Apr 18, 2026

Investing
Consumer confidence has plummeted in recent months, with expectations for the future of the economy reaching a 12-year low. But as headlines warn of a possible recession and uncertain times ahead, it’s only natural to feel frustrated. What does it all mean? And what can we do to prepare? Let’s look at what consumer confidence...
Apr 18, 2026