1. Pay bills on time to avoid late fees.
for eliminating late fees; 16
rules for paying your bills; Your
credit card statement made simple
2. Pay more
than the minimum on your credit cards.
the true cost of paying the minimum; Pay
biweekly to bring down balances; 15
credit card terms
3. Read your bank statement
of a bank statement; 7
ways to keep your account in check; Find
the best account for you; 10
most common checking account terms
an emergency fund of at least three months' living expenses.
about emergency savings; Kick
off a savings plan; 17
easy ways to save more; Calculate
what it'll take to save for a goal
you need to know to write a will; What's
a living will?; More
personal finance advice
6. Shop around for
the best insurance rates and coverage.
shop for coverage online; Cut
costs with combined coverage; Tips
for cutting auto insurance costs
7. Look around
for and switch to credit cards with lower rates.
to transfer a balance safely; Ask
for a lower credit card rate; Form
letter to request a lower rate
8. Follow a
your own spending plan; What's
your spending style?; Money-saving
9. Adjust your W-4 annually to make
sure you are not giving the government too much money.
withholding ; Open
a flexible spending account;
How to adjust your withholding; More
10. Check your credit report annually
you should check your credit report; Understanding
your credit report; FAQ
about identity theft; Credit
report form letter
11. Contribute to a retirement
about 401(k)s; The
ABCs of IRAs; Retirement
savings reduce taxes; 401
(k) calculator; How
much will I need to retire?
12. Comparison shop for the
best deal on your mortgage or refinancing.
refinancing right for you?; Estimate
your savings with refi calculator; Save
time and money by shopping online first; More