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Thursday, October 30th, 2014


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Budgeting

YOUNG MONEY articles, books, tips and advice on personal finance and money management for college students and graduates – financial planning skills, creating a spending plan,money saving tips.

Volatility will continue in 2012

Even if the various troubled nations resolve their major dilemmas this year, investors should be ready for volatility to continue in 2012, Reuters reports. Even if the United States solves its fiscal deficit, China successfully copes with its economic slowdown, and Europe survives its debt problems, analysts have arrived at a consensus that volatility will […]

Cost of Waiting: Why Gen Y Needs to Start Saving for Retirement Now

According to a recent survey released by TD Ameritrade, more than half of the Gen Y respondents said that they plan to retire on schedule. Yet, 48 percent are no longer saving, 33 percent have stopped saving for retirement and 27 percent are piling on credit card debt.

As individuals, we may not be able to control the economy at large, but we can impact our own financial futures by adopting smarter spending and saving habits—habits that can help us handle life’s big events, as well as our eventual retirement (however we define it).

With Savings, Don’t Miss the Forest for the Trees

A lot of advice on savings focuses on little, day-to-day things: Making your own coffee instead of buying Starbucks; buying generic instead of brand-name; eating out less; and occasionally biking instead of taking the car. That’s fine, and it can help trim the fat from your budget. But for real savings, it’s often necessary to […]

Top Misconceptions that Young People Have about Money

When well-known financial commentator Ben Stein was asked whether he worries about having enough money in the future, he confidently replied that he does not. That’s because he asserted that his “young self” made sure to take good financial care of his “old self.” His celebrity notwithstanding, Stein isn’t burdened by his financial future because […]

Why “Free” Cellphones Aren’t Actually Free

The iPhone 4, the latest and hottest gadget to hit the markets, carries an astonishingly low up-front price tag. On AT&T’s website or in its stores, bright orange letters blare out the bargain – only $199 for the pinnacle of Steve Jobs’ engineering and design. But as with all things, there’s no free lunch – […]

Don’t forget to include Fun in your Home Budget

Trying to get out of debt could cause many people to avoid adding any fun money to their home budgets. However, totally eliminating the ability to let off some steam could end up adding even more stress to an already difficult situation. In a recent piece for Tennessee’s Knoxville News Sentinel, personal finance advisor Dave […]

Parents Can Follow Checklist to Help Kids Be Financially Savvy

A recent story from the Wall Street Journal noted that only three states require a certain amount of education in personal finance for high school students. And while lawmakers try to find a way to instill this type of education for all Americans through financial reforms, parents may wonder how they can help their kids […]

Bankruptcy Reaching New Highs, Highlighting Importance of Financial Responsibility

The idea of having financial difficulties may be a foreign notion for some younger consumers, especially those who have just graduated from college and have their whole lives ahead of them. However, the recession found many people – both young and old – having difficulties with trying to get out of debt, so much so […]

Top 10 Money Management Apps

Need to track stocks? Calculate your loan repayment? Budget your life? There’s an app for that.

Can You Cut Back on Any of These Expenses?

Can you get rid of any of the variable expenses on this list?