Featured WorkWhat Happens if You Can’t Pay Your Rent During Covid-19?If you’re one of the nearly 38 million people who have filed for unemployment since March, 2020, you may also be one of the many people having trouble paying rent right now. It’s particularly a concern, since average rent in the U.S. is $1,594.4 things to discuss with your partner before you share a bank accountAre you and your significant other cohabitating sooner than planned due to the coronavirus outbreak? You’re not alone. If so, you might wonder whether it’s time to open a joint bank account. While that might seem like the appropriate thing to do, there’s no one-size-fits-all answer.I’m in my 20s – How should I approach investing? – Robinhood – 2020Create a spending and saving plan Think about your money in buckets-right away, short-term, medium-term, and long-term Consider maximizing your returns while minimizing your costs and risk For many, your 20s are often the first time that you have some cash on hand.How to make the most of your retirement plan during an economic downturnSigns of an economic slowdown abound. The Department of Labor reports unemployment claims rose to 6.6 million the week ending March 28, a dramatic spike from 3.3 million the week prior. Indeed, as small businesses are forced to close due to the pandemic, jobs are being lost at a rapid clip.Hitting The Marriage Milestone: What To Consider Money-WiseGetting hitched is a major milestone, no doubt. And alongside the jumble of excitement mixed with a bit of nervousness, you’ll want to make sure you have your financial ducks in a row. This includes having the proper paperwork in order, going over insurance, and coming up with a spending plan.How to Protect Your Finances During Challenging TimesWith the economic uncertainty due to Coronavirus ( ), you’ll want to get a grip on handling your money. It’s hard to predict how things will shake out and how the economy will ultimately shift. Perhaps recent events have already had a profound impact on your finances.Revenge Spending: Why It Happens and How to Turn Things Around | Milk + HoneyThat motorcycle you buy – without first telling your partner: Sure, it’s a major purchase that should require discussion beforehand, but they didgo on that weekend bender last month. You deserve your own rebelle sojourn, whooshing down Pacific Coast Highway, hair and heart ablaze in your BMW R1200RT.Get Your Money: Start Your Budget on a SaturdayKnow what’s a major buzzkill? When Saturday hits, and your pals want to convene for bottomless mimosas – but your bank balance is nearing zero. Not only can you not afford to go out, but you’re probably anxious about having enough to cover your rent. If that’s the case, how can you possibly save?How to Earn More By Side Hustling During the HolidaysTo afford the holidays, you might’ve created a special end-of-year budget or you plan to use a few creative hacks to save on gift-giving. But skimp and save as you might, you could still run into holiday debt hangover.Coronavirus Unemployment Benefits: How to Apply for Unemployment Benefits When Laid OffRead the Article Written by Jackie Lam 15 min read While there are many reasons you might find yourself unemployed, the primary reason more individuals are out of work right now is due to COVID-19 layoffs. As COVID-19 has swept the nation, it has left many wondering what to do now.How To Save Money As A Freelancer To Take Holiday VacationsAmid the typical bustle and hair-tearing stress of the holidays, I prefer to keep my professional life as relaxed as possible. That means taking off a few weeks from work at the end of the year. Adding the freelancer hustle on top of parties across town and last-minute shopping?How to Better Your Physical and Financial Health at the Same TimeRead the Article Written by Jackie Lam 6 min read You may be wondering how your physical and financial health have any connection whatsoever. A few years back, after a routine checkup, my doctor had some bad news: My cholesterol and blood sugar levels were on the high end, and I was pre-diabetic.How to Kickstart an Emergency FundBesides having a spending plan and saving for retirement, one of the major tenets of financial wellness is to have a healthy emergency fund.How to Save on Housing Without DownsizingLast summer, I was forced to relocate out of my cozy, bungalow-style apartment in West L.A.What I Wish I Knew About Money Throughout the YearsThe other week, while I was digging up weeds during my volunteership at the botanical garden, my 19-year-old colleague turned to me and asked, “Jackie, what would you tell your 20-year-old self?” Whelp.When my freelance career started picking up, I looked into getting pre-approved for a mortgage. It wasn’t nearly as complicated as I thought.Insider’s experts choose the best products and services to help make smart decisions with your money ( here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.5 lessons I learned selling candy in 7th grade that have stuck with me ever sinceWhen I was in middle school, I sold candy to my classmates as an easy way to make money. I learned entrepreneurial basics such as figuring out how much profit I would earn, eyeing the competition, and strategizing the sell. Putting most of my earnings toward a goal helped me stay focused and motivated.3 surprising money lessons I learned from Ashton Kutcher, the actor-investor who turned a $30 million fund into $250 millionInsider’s experts choose the best products and services to help make smart decisions with your money ( here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.TIAA Bank ReviewA debit card with added protections – TIAA Bank’s debit card comes with some features that are typically found with credit cards: extended warranty protection of up to one year, price protection up to 60 days after purchase, and return protection within 90 days after you buy something.How to enjoy your vacation, before you even take it – QapitalGo back Fact: Vacations are awesome. But the planning? Not so much. Sometimes you need a vacation from your vacation planning. While it can definitely take a toll on your energy, it turns out the planning process can be just as enjoyable and exciting – if not more – than the actual event itself.5 Top Habits to Help You Stress Less About Your FinancesIf your finances are a constant source of stress and anxiety, you’re certainly not alone. In fact, 40 percent of American adults say they would have a tough time covering an unexpected expense of $400 or more, according to the Federal Reserve’s Report on the Economic Well-Being of U.S.Insurance Needs for Single PeopleWhen you have a family, the types of insurance you need to protect your loved ones may be apparent. But what if you’re flying solo? Although you may not share the same concerns and obligations as married folks, single people certainly still need insurance. Their needs may just be different.Credit Cards with Annual Fees: Are They Worth It?When shopping for credit cards, you may be surprised at the steep annual fee for some of the premium cards out there. Those gold-star perks do come with a price: in some cases, several hundred dollars and upwards. So when is the annual fee worth it?Use Email Marketing to Boost Your Side HustleWant to boost your side hustle? Head to Squarespace and use code “THEMUSE18” to get 10% off your first domain or website purchase. And read on for more tips! If you’re an entrepreneur who spends their mornings consulting, nights writing, or weekends designing, I hope you’ve also been collecting email addresses via a personal website.Marketing to License Your Music for Film and TV | Fiverr BlogIf you’re a musician, you might be able to earn some cash by getting plays on Spotify. But it most likely won’t be much: Music creators net $.0038 per play on the streaming platform, while Apple Music pays $.00783 per stream, according to Digital Music News.Ultimate Guide to Consolidating Your Debt | MMIWhen you’re carrying a heavy debt load, it may be hard to stay on top of payments, especially if your debts are spread out across several different types of credit cards and loans. If you’re looking for ways to make it easier to repay your debt, consider debt consolidation.9 Good Money Habits You Can FormWhile you may have ambitious money goals, the key to reaching them is building a collection of smaller everyday habits. By taking baby steps that become second nature over time, you’ll hopefully be able to improve your financial situation. Here are some small habits you can develop today that may help your money grow.Don’t Move in With Your Significant Other Before Having These 5 TalksThinking about cohabiting? Here’s what you two should talk about before taking this major step. So you and your partner are starting to get serious, and setting up house together is next on your list of relationship milestones.How to Be a More Responsible SpenderYou’ve made major strides in getting your money situation together. Perhaps you’ve started a rainy-day fund or made a dent in your student loans. Good for you! Luckily, things can get even better. With a few small tweaks, your finances can go from good to golden.Swell Investing Blog | Invest with Intention.Swell’s investment approach blends performance with purpose, for long-term growth potential.JPMorgan Chase BrandVoice: How Two Young Entrepreneurs Are Disrupting A Timeless IndustryHow do you shake up an industry that’s been around for more than a century? Crowd-fund six-figures. Offer direct-from-the-factory designs. Build a social media following. Then, persuade the smartphone generation to sport watches. That’s how a pair of 25-year-old college dropouts and former parking valets-Kramer LaPlante and Jake Kassan-have turned MVMT, their 3-year-old accessories company, into a multi-million dollar business.I’m a freelancer. Here’s how I budget for cash flow problemsWhile freelancers such as myself can admittedly roll out of bed, turn on our laptops, and work in our PJs (or err, wear the same thing several days in a row), a major trade-off in the supposed freewheeling solopreneur life is giving up a steady paycheck.Money Mantras to Improve Your Financial HabitsYou may have heard someone say “I live by my mantra.” Perhaps you even have a friend who uses a money mantra to help curb her spending habits. About now, you’re probably wondering what the heck these people are talking about and if you have to be a New Age guru to get one of these so-called mantras.Policygenius: Compare and Buy Insurance OnlineOur proprietary technology makes it easy to compare personalized quotes and policies from top-rated insurers side by side. Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence. We work for you – not for the insurance companies. https://www.policygenius.com/blog/is-life-insurance-only-for-families/101 Ways to Save MoneyLooking for savings tips but don’t know where to start? Well, you’re in luck. We’ve rounded up 101 savings tips all in one place. Whether you’re looking for ways to save money on housing, food, travel or even pets, we’ve got you covered. Check out our guide on ways to save money, broken down into nine categories.4 real people with side jobs explain how they manage their cashIf you have a side hustle, you know just how useful-and maybe even essential-those extra dollars are each month when it comes to reaching your money goals. You might use your earnings to pay bills, hack away at debt, invest more or fund a long-term goal, like buying a house. https://www.cinchfinancial.com/blog/lifestyle/here-are-the-conversations-were-not-having-about-money-and-whyWhat You Need to Know About Paying Your College Tuition BillIt helps to get organized when the time comes to pay your tuition. Discover Student Loans prepares you for what you need to know about paying college tuition.Saving15. Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.What To Do With Your Tax Refund: 10 Money MovesGetting a tax refund is always exciting but sometimes figuring out what to do with it can be stressful. Your first thought might be to use it for a well-needed vacation or a new gadget, but it’s actually the perfect opportunity to improve your finances. http://invibed.com/creative-people-kick-butt-managing-money/Employee Benefits | KeyBankGet access to a wide variety of employee benefits when you work at KeyBank. As part of Key’s Employee Promise, we commit to rewarding our employees with strong compensation programs, and providing development resources to help them grow. Learn more.How To File A Home Insurance Claim: 7 Helpful Tips – CoverHow to file a home insurance claim: 1. Contact your insurance company 2. File a police report for stolen items 3. Document everything 4. Patch up existing damage 5. Schedule an appointment for an adjuster to visit your home 6. Keep receipts of all expenses 7.I’m splitting my stimulus check 3 ways: savings, donations, and frivolous spending – here’s whyInsider’s experts choose the best products and services to help make smart decisions with your money ( here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.Side gigs that don’t require special skillsSelling crafty projects on Etsy, pitching creative skills on Fiverr, or picking up jobs through TaskRabbit may require skills we don’t have (or work we don’t really want to do). But who couldn’t use a little extra money? Enter a different class of side gigs, where you get paid just for you being you.I visited the Museum of Broken Relationships with my ex and it taught me an important lesson on what I valueIt’s date night at the Museum of Broken Relationships in Hollywood, and Patrick and I are poring over the museum’s collection, reading the stories attached to each artifact with lurid fascination. There’s an awkward vibe of sexual tension among our fellow museum-goers.The best money management tools for gig workers and freelancersFreelancers, gig economy workers, and underemployed folks can attest: Inconsistent income is an unruly, disruptive beast. It can be tough figuring out if you have enough to get by each month. Or if you’ll be able to cover your bills on time. Side hustles can be a relatively easy way to rake in some extra cash.UFB Direct Bank ReviewDecent interest rates on deposit accounts: You can get up to a 3.71% annual percentage yield (APY) on savings and premium money market accounts. If you meet the minimum daily balance requirements, you can earn a competitive interest rate on your accounts.U.S. Bank ReviewExtensive network of ATMs and physical locations: With more than 2,400 brick-and-mortar branches and 4,200 ATMs in the U.S., you won’t have a problem setting foot in a bank or pulling money from an ATM. Different types of certificates of deposits (CDs): If you’re looking for a place to tuck your money away for a longer duration, U.S.How Qapital taught me about happiness and fulfillment – QapitalGo back A few years ago I decided to manage my money with Qapital. Not only has it helped me keep track of where my money goes, but I’ve also led a richer life. In turn, I’m a happier, more fulfilled me.6 Ways to Bolster Your Emergency Fund by $500If you’re just scraping by financially, it doesn’t take a lot for a money crisis to go down.Insurance When You’re a FreelancerWhen you’re a 9 to 5er, it’s easy to take your company’s benefits for granted. And now that you’re a freelancer, one of the things you need to tend to is creating your own benefits package. Plus, as an army of one, self-employed solopreneurs bear the risk of higher uncertainty-hello, feast or famine!College Grads: Stepping-Stones to Starting Your Own BusinessIf you’re a recent college grad, you may aspire to turn your dream business into a reality. In fact, a survey conducted by the University of Phoenix reveals that 63 percent of people in their 20s were either entrepreneurs-or would like to be one someday.How College Grads Can Get Started InvestingIf you’ve just graduated college-first off, congrats! And as you’re creating a massive “next steps” to-do list, that might include landing your first grown-up job, moving to new stomping grounds, or creating a budget, you’ll want to add one thing: investing. We get it.10 Ways to Improve Your Email Marketing Game | Fiverr BlogEmail isn’t dead. It’s simply evolving. Not only do 73% of millennials prefer to receive communication from a business via email, but it’s also still the top tactic for generating leads, beating out social media. If you’ve neglected to tend to your email marketing efforts, it could be hurting your business.Mixing & Mastering Your Album to Perfection | Fiverr BlogNow that you’ve laid down and recorded the tracks for your next demo or album, you’re ready to mix and master it to match your creative aspirations. And remember: just because you’re on a budget doesn’t mean you need to skimp on the quality.How to Be a More Responsible SpenderYou’ve made major strides in getting your money situation together. Perhaps you’ve started a rainy-day fund or made a dent in your student loans. Good for you! Luckily, things can get even better. With a few small tweaks, your finances can go from good to golden.6 Smart Ways to Decorate for the Holidays on a BudgetWhile decking out your pad for the holidays can be a lot of fun, you could easily run up a hefty tab. By being clever and resourceful, though, you can keep it frugal and festive without having to skimp out on the decor.How I Made My First “Real” Money from Art: Four L.A. Artists Share Their StoriesArtbound talked with a handful of our favorite L.A.-based artists to ask them when they made their first “real” money from art.How to Prepare for Holiday TravelsIf you’re like me, any mention of the holidays in September is likely to make you cringe. “Too soon!” your mind screams. But tell that to your wallet. And your bank account. The holidays may seem far away but you know how time works in adult years…basically the season of visiting your relatives will be here tomorrow.I Challenged Myself to a No-Spend Weekend: Here’s What I LearnedI’m usually the type who’s always looking to save a buck but every so often, my frugal habits fall to the wayside. This tends to happen more during summer, when day trips to the beach and out-of-town visitors are the norm.Trying to save? Here’s how to manage deprivationSo you’re dead set on saving. You’ve created a new budget, listed the amounts and deadlines for each savings goal, and feel a glowing sense of satisfaction as you jot it all down in your bullet journal. Now all you need to do is stick to your new budget and check up on things every so often, right?Policygenius: Compare and Buy Insurance OnlineOur proprietary technology makes it easy to compare personalized quotes and policies from top-rated insurers side by side. Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence. We work for you – not for the insurance companies.Policygenius: Compare and Buy Insurance OnlineOur proprietary technology makes it easy to compare personalized quotes and policies from top-rated insurers side by side. Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence. We work for you – not for the insurance companies. https://www.cinchfinancial.com/blog/lifestyle/friends-of-cinch-jackie-lam-on-saving-money-at-the-barMoney News and Advice – PolicygeniusThe latest financial and insurance news from our award-winning journalists at Policygenius.How To Save For RetirementPersonal Finances 4-minute read Victoria Araj September 22, 2021 In a nutshell, being financially healthy requires you to do three things: earn more, spend less and ramp up your savings and investments. But instead of putting in hours cutting coupons and running around to different markets to save pennies on apples, how can we be smart about saving money?Employee Benefits | KeyBankGet access to a wide variety of employee benefits when you work at KeyBank. As part of Key’s Employee Promise, we commit to rewarding our employees with strong compensation programs, and providing development resources to help them grow. Learn more.Money News and Advice – PolicygeniusThe latest financial and insurance news from our award-winning journalists at Policygenius.Side Hustles: What to ConsiderIf you’re looking to pay down debt (like credit card balances or student loans), bolster your savings, or invest more, earning some extra money can be a great way of reaching your goals. But what’s the best way to earn extra cash?How To Invest In Stocks: Investing For BeginnersThis post contains affiliate links, which means we receive a commission if you click a link and purchase something that we have recommended. Please check out our disclosure policy for more details. If you’re just starting to get a handle on your personal finances, the idea of investing can seem daunting.Employee Benefits | KeyBankGet access to a wide variety of employee benefits when you work at KeyBank. As part of Key’s Employee Promise, we commit to rewarding our employees with strong compensation programs, and providing development resources to help them grow. Learn more.Downsizing? Here Are The Pros And Cons You’ll Need To ConsiderA few years ago Dave Munson and his family decided to move from their 5,600-square-feet, 8-bedroom house in the city of San Antonio, Texas, to a smaller, unique living situation: tents. Well, fancy, upscale tents that total 2,000 square feet altogether.How to Kick-Start Your Retirement Fund in the New YearBuried underneath paying bills, digging out of a debt hole, and saving for your kids’ college is the marathon of money goals: retirement. Cue the fantasies of spending your days at a leisurely pace, working on The Great American Novel-at long last-or cavorting around North America in a decked-out RV.How I Saved On Car Insurance: Four Perspectives On How To Lower Your PremiumOwning a car and getting behind the wheel of it comes with a lot of responsibilities. And one of those is getting car insurance to protect you and your car. Car insurance really isn’t an optional expense. Do you own a car? Then you need to have some coverage on it.I used an old savings trick to grow my emergency fund by $5,000 in less than a yearInsider’s experts choose the best products and services to help make smart decisions with your money ( here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.I’ve been using the personal-finance app Digit for nearly 3 years, and it’s helped me save $20,000The personal-finance app Digit saves money automatically for you. For a monthly fee of $2.99, you get free bank-transfer notifications, a 1% annual bonus, and low-balance protection. Here, author Jackie Lam details how she saved more than $20,000 with Digit in nearly three years.TD Bank ReviewWeekend hours – Looking for a bank where you can step foot in the door after working hours? Many of its physical locations that are operating at normal operating hours are open on both Saturday and Sunday.What Every Freelancer Needs to Know About Planning AheadNo matter how on top of your money game you are as a freelancer, you’re bound to let a few things fall by the wayside. Between meeting project deadlines and hustling for new gigs, some of the “musts” on your ever-growing “to-do” list may have turned into “Whoops. What happened?”Coronavirus Unemployment Benefits: How to Apply for Unemployment Benefits When Laid OffRead the Article Written by Jackie Lam 15 min read While there are many reasons you might find yourself unemployed, the primary reason more individuals are out of work right now is due to COVID-19 layoffs. As COVID-19 has swept the nation, it has left many wondering what to do now.6 Ways to Set Your Finances on Auto-PilotWhen I’m on top of finances, I’m all up in my money management apps, checking my balances and the swift progress I’ve been making on my savings goals. But when things aren’t going so hot?Easy Ways to Start Investing Your Money This SummerHave some time off during the summer months and can spare some time to up your money game? Or maybe you’re raking in extra cash from summer side gigs. Either way, you might want to think about some investing.Take This “Flexpert” Approach to Technical Writing | Fiverr BlogWhether you’re crafting an ebook, user manual, or a set of product descriptions, as a technical writer your job can essentially be boiled down to one thing: simplifying the complex.Policygenius: Compare and Buy Insurance OnlineOur proprietary technology makes it easy to compare personalized quotes and policies from top-rated insurers side by side. Our team of licensed experts is here to answer questions, handle paperwork, and help you make decisions with confidence. We work for you – not for the insurance companies.Financial Wellness Articles & Tools – MassMutualWe can help you plan for the moments that matter most in life. Learn how to effectively budget, save for college, plan for retirement, and set up your estate on our Financial Wellness hub.How to Create a Budget That’s Perfect For You“Come up with a budget-and stick to it.” It’s tried-and-true advice, but crafting that initial budget can be a confusing, overwhelming process. It doesn’t have to be, though. If you’re taking your first crack at building out your budget, there are some rules of thumb you can follow to help you avoid some common pitfalls.How to Prevent Money Fights Before They StartFollow these steps to clear the air and get on track for your financial future. We’ve all had that fight. The one about the budget, spending, or just finances in general. Maybe you want to buy that TV, and your partner wants to take that trip. https://www.quickenloans.com/blog/holiday-investments-give-gift-growing-dividendsContent Standard | SkywordWelcome to the Content Standard, the latest insight-backed content marketing news and resources, brought to you by Skyword.Price Check: How Much Would It Cost To Move To Canada?Canada is calling to some Americans like a siren song. In fact, when Trump won the presidential election last fall, Google searches for “Canada Citizenship” surged 4,550 percent, and Canada’s immigration site crashed. And what’s not to love with friendly folks, decent pop music (i.e., Go for Soda), free universal health care, and dreamboat Justin Trudeau as prime minister? https://www.chase.com/news/011817-h2h-conscious-mindsYou Think Talking About Sex is Taboo? Let’s Talk About MoneyFlashback several years ago to my last relationship. The guy I was dating at the time wasn’t open to discussing his “numbers.” Mind you, this was several years into our relationship. Although I disclosed how much I earned and saved, he was radio silent. Needless to say, it didn’t work out between us.5 Ways to Prep Your College BudgetBudgeting in college can be helpful. Let Discover Student Loans offer you tips to help your college student budget.Shopping for health insurance as a freelancer: How I did itUpdated Sept. 4, 2019: When I became a full-time freelancer a few years ago, I felt excited but nervous. Taking the leap from a desk job with benefits to solopreneurship was thrilling, but it also came with responsibilities and costs. One expense that needed to be addressed pronto was paying for my own health insurance.Earning15. Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.5 Steps to Automate Your SavingsWhat’s the solution? Not having to think about saving money. In other words, automating your savings. “It brings another level of accountability, because we don’t have to remind ourselves each paycheck to save [money],” says investment advisor Peter Campbell .Employee Benefits | KeyBankGet access to a wide variety of employee benefits when you work at KeyBank. As part of Key’s Employee Promise, we commit to rewarding our employees with strong compensation programs, and providing development resources to help them grow. Learn more. https://www.cinchfinancial.com/blog/lifestyle/i-spend-more-than-50-of-my-money-on-rentThe Bicoastal Entrepreneur: Doing Business in Multiple StatesVirtual productivity and communication tools make it easy to work and run your business from just about anywhere. You could be based out of New York but have clients in California. The thing is, the exact state of where your company is operating out of can be fuzzy.Money Manners: How to Split the Rent With Your RoommatesGetting ready to move in with a roommate or two for the first time? If so, you probably have all kinds of questions on your mind. You may be thinking about how to divvy up household chores or who gets which bedroom. https://www.thehonestkitchen.com/blog/ready-foster-dog/ https://www.thehonestkitchen.com/blog/tips-create-doggie-documentary/Setting Financial Goals: New Year’s Resolution Guide | ChimeWant to get financially fit? It comes down to two things: knowing how to budget, and saving for the future. It doesn’t matter how much or how little you make, what grand plans you imagine, or how many side hustles you have, because a personalized budget within your means will always be the best thing you can do for your wallet.