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Saving

Netspend Account: The Ultimate Guide to a 5% Interest Savings Account

Last Updated on November 8, 2024January 28, 2017 901 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

netspend accounts

Most people don’t believe it, but even in today’s market, you can still earn 5% interest on money sitting in an FDIC insured savings account. It does require a little bit of legwork to set up, but once you’ve done it, the entire account is completely automated.

For most people, a 5% interest savings account is a perfect place to store your emergency fund. It’s where I store my emergency fund. And depending on how much you like to keep in your emergency fund, you could potentially have your entire emergency fund earning 5% interest per year.

Filed Under: Money Hacks, S/I, Saving, Top Posts

Wealth Is Relative – Remember This And Be Happier

Last Updated on April 17, 2023January 19, 2017 49 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

wealth is relative

I think that wealth, much like temperature, is relative too. One person might feel wealthy making a certain amount of money while another person, making the same amount of money, might feel like they’ve only got pennies to their name. Some of us might scoff when a doctor or lawyer says they don’t make enough money and are living paycheck to paycheck. When this happens, we wonder how someone making six figures can spend so much money.

Filed Under: Saving, Top Posts

Aim To Max Out All Of Your Retirement Accounts This Year

Last Updated on April 17, 2023January 3, 2017 34 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

max-out-retirement-accounts

We should all have some amount that we aim to save every year. The great thing is that in the United States, the government basically gives you an amount to aim for each year in the form of retirement accounts. Since the government limits what you can put into each of these tax-advantaged accounts, it’s an easy goal to try to reach.

I think at minimum, everyone should aim to save enough each year to max out all of their retirement accounts. When you think about it, it’s not really all that hard to do. Just set up your automatic contributions once at the beginning of the year. Then do the most important thing you can do when it comes to investing – nothing!

Filed Under: Saving

The 52 Week Money Challenge: The Easiest Way To Save $1,378

Last Updated on April 17, 2023December 29, 2016 14 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

52-week-money-challenge

As we close out 2016, I thought I’d issue probably the easiest call to action out there – the 52 Week Money Challenge. This is by no means an advanced money concept. Still, I think it’s a good thing for anyone to do, no matter where you are in your financial journey. We all should have some money set aside for emergencies. And the 52 Week Money Challenge is an easy way to keep that emergency fund topped off each year.

I first learned about the 52 Week Money challenge a few years ago when I started getting interested in personal finance. You have to start somewhere and I was looking for ways to push myself just a little bit more. When you’ve got money coming in, it’s pretty easy to get lazy with your paycheck. Even if you think you’re saving money, a lot of it can slip through your fingers if you don’t put it to use somewhere else.

Filed Under: Saving

Qapital Review – A Free App To Automate Your Savings

Last Updated on April 13, 2022December 18, 2016 12 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

What makes Qapital a really awesome app is how easy it makes it to automate your savings.  All you have to do is open up the Qapital app on your phone, set up a new goal with a few taps of your finger, and then set up whatever automated savings rule you want for that goal.  It literally takes less then a minute to set up a savings goal.

Filed Under: fintech, S/I, Saving, Top Posts

A Reminder: You Probably Make A Lot More Than You Think

Last Updated on April 17, 2023November 28, 2016 39 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

you-probably-make-more-than-you-think

Thanksgiving is now behind us and with its passing comes the official start of the holiday season. I’ve always thought it helpful around this time of the year to remember how fortunate most of us are. If you’re reading this, chances are that you live in a developed country. You probably also make a decent income and have some education under your belt. If you’re smart, you might even be able to save up enough money one day so that you never have to work again. Most people in the world aren’t lucky enough to have the luxury of thinking about financial independence, let alone actually achieving it.

This is why its always struck me as a bit ridiculous when I see people with good jobs complaining that they don’t make enough to get ahead. Sure, making more money is probably better than making less money. And some cities are definitely more expensive to live in than others…

Filed Under: Saving

Why Bike Share Systems Are The Best Form Of Public Transit

Last Updated on April 12, 2023October 25, 2016 24 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

bikeshare

Every personal finance nerd knows that biking is one of the best modes of transportation out there. In addition to just being fun to do, you also get three things from biking that you really can’t get from any other mode of transportation – speed in getting from place to place, huge cost savings, and, of course, health benefits from actually using your own body power to propel yourself forward. And I didn’t even mention the awesome feeling you get when you zoom past a bunch of cars that are stuck in traffic!

One of the best pieces of technology in the past few years has been the emergence of the bikeshare system…

Filed Under: Biking, Saving

Avoiding Paycheck Complacency

Last Updated on April 17, 2023September 28, 2016 32 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

complacency

It’s pretty easy to become complacent when it comes to our paychecks. We collect them every two weeks and just assume that whatever amount is on that check is the amount we need to survive. It’s funny how your expenses always seem to match up to whatever amount is on your paycheck.

I think of this as paycheck complacency. First, we arbitrarily begin with some number on our paycheck that we often (perhaps unwittingly) choose. Second, we get used to that amount. Third, we assume that’s the amount we need in order to live.

Here’s the thing – you might think you need it all, but the reality is, you probably don’t.

Filed Under: S/I, Saving, Top Posts

I Can Afford The New iPhone And You Can Too

Last Updated on April 11, 2021September 15, 2016 15 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Affording New Iphone 7 Image

The new iPhone just came out and folks are lining up to get their hands on it. While everyone else rejoices about the new phone, it seems like we in the personal finance community collectively shake our heads. I recently read a few articles about the financial evils of buying a new phone and found this puzzling. I’ve never thought of a new phone as a financial sinkhole. And when you do the math, it’s not very expensive if you plan it out in advance. So why are people saying not to upgrade the single most important piece of technology most of us own?

Filed Under: S/I, Saving

Prism App Review 2024 – An Awesome Free Bill Management App

Last Updated on February 10, 2024September 3, 2016 64 Comments
This post may contain affiliate links. Affiliate Disclosure.This post may contain affiliate links. Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. The site does not include all card companies, or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Prism is a bill management app that lets you see and pay all of your bills from a single app. I like to think of it as similar to Mint or Personal Capital, but dedicated solely to managing your bills. The app only works on your phone and there’s no web app for it at the moment.

Filed Under: fintech, S/I, Saving, Top Posts

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