Monday, July 26

Freelancer

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3 questions to ask yourself before you rage-quit your job, according to a financial planner

If, like many Americans, you're thinking of quitting your job, stop and consider your finances first. Ask yourself if you have enough savings to cover you while you look for new work. Think about what you're giving up: benefits, 401(k) contributions, and bonuses could all be factors. Read more stories from Personal Finance Insider. At some point in your career, you've probably transitioned from one job to another. A company may have offered you an opportunity that was too good to turn down, or you might have been unhappy with your current job and ready for a change. As more Americans get COVID vaccines, the push to return to the office is causing some worker...
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4 straightforward strategies a millennial used to pay off $25,000 of student loans in 10 months

After a job loss and financial emergency, Ashley Patrick was determined to get out of debt. She had $25,000 of student loans left to pay, so she and her husband took aggressive action. They paused their 401(k) savings, cut their spending way down, and carefully tracked their payoff. Read more stories on Personal Finance Insider. For many of us, student loan debt may feel like a ball and chain that we drag around for years on end.That's how Ashley Patrick felt about her $25,000 in student loans. When her husband lost his job and the couple was unable to quickly pay back a loan they'd borrowed against their 401(k) to remodel their house, they ended up owing th...
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You can transfer Citi ThankYou points to 17 airline partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii

Earning transferable points with rewards credit cards is one of the best strategies you can use to maximize returns on your spending. Programs like Chase Ultimate Rewards and American Express Membership Rewards are popular with award travelers, in part because their transfer partners include numerous domestic airlines and popular hotel chains.The Citi ThankYou Rewards program is a bit of an underdog in this regard, with usually just one domestic carrier (JetBlue) among airline transfer options and no current hotel partners. But for a limited time, you can transfer Citi points to American Airlines, which opens up many more award opportunities.Despite having few domestic options, you can still squeeze excellent value from the program — in fact, some of C...
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5 ways to spend cash gifts to turn them into more money

When you buy through our links, Insider may earn an affiliate commission. Learn more.If you got married or had a birthday recently, you might be sitting on cash gifts. Financial pros say you can invest in a side hustle or buy crypto (without risking your savings). Or, keep the money in a high-yield account or pay off debt to build wealth over the long term. Compare savings account rates & offers in your area » Over the last few years, I've received a lot of cash gifts from friends and family for different celebrations in my life. I got engaged, had a couple of birthdays, and ended up eloping during the pandemic. In order to keep track of these cash gifts and...
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Buying mobile home parks helped an Idaho man go from $0 in savings to a $1.8 million net worth in 6 years

In 2015, Cory Harelson had $0 in savings, $30,000 in student loans, and no financial knowledge. After reading several books about money, he decided to invest in real estate. He stumbled upon a mobile home park for sale and has since raised his net worth to $1.8 million. Read more stories from Personal Finance Insider. Cory Harelson, a structural engineer in Boise, Idaho, knew what it was like to feel trapped. In 2015, he was working anywhere from 60- to 80-hour weeks, overwhelmed with mortgage payments and bills, and balancing raising a young son. "It was like a race with no end," he says. But in just six years, he went from having $0 in savings, $30,000 in ...
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I ditched my retirement goal when a pregnancy loss showed me a more important savings priority

At the start of 2021, I planned to save $25,000 a year for retirement. That changed when I had a miscarriage. I realized I wanted to prioritize motherhood as a financial goal. Now I'm saving ambitiously for adoption or any medical needs I may have as I try to become a mom. Read more stories from Personal Finance Insider. I'm the kind of person who has trouble saving without a specific goal to keep me on track. I spent over a decade paying off $80,000 of debt, and I was able to do so in part because I had a clear goal in sight. The closer I got to being debt-free, the more frugal I became, and felt overjoyed when I reached my goal. So for 2021, I made a retir...
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4 ways to invest your first $1,000 for maximum growth, according to financial planners

If you're investing your first $1,000 for maximum growth, try putting your cash in a Roth IRA. Financial planners also recommend choosing index funds or dividend growth stocks. To boost your earnings, spend that money learning a skill that makes you more valuable. Read more stories from Personal Finance Insider. A friend recently asked me a question I wasn't so sure I knew how to answer. They had just put aside their first chunk of cash and wanted to invest it in something. After years of paying off debt, learning solid financial tips, and sticking to a budget, this was a big goal for them.I'm still a rookie at investing. I've only been investing in stocks a...
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Financial experts share 5 pieces of money advice everyone hates to hear

When you buy through our links, Insider may earn an affiliate commission. Learn more.Some financial advice may be a bitter pill to swallow, but that doesn't make it less essential. Financial experts told us people hate to be told to spend less, and to save earlier for retirement. Folks also hate to hear they should say no to their kids, and that timing the market is a bad idea. Compare savings account rates & offers in your area » When it comes to finances, there is some advice that is too tough a pill to swallow for some folks. Anybody can have a closed mind and closed ears, be it a high-net-worth shopaholic hiding shopping adventures from a spouse, jeopard...
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5 hacks I learned from Reddit that helped me save $2,500 with very little effort

When you buy through our links, Insider may earn an affiliate commission. Learn more.I'm trying to save more money in 2021, so a friend recommended I check out Reddit for tips. I learned a new way to budget, how to get discounts on my bills, and how to get free stuff online. These and other tips have helped me save $2,500 this year already. Compare savings account rates & offers in your area » Fixing up my personal finances is one of my main goals for this year. Because of that, I spend a lot of quality time every week consuming strategies, tips, and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and invest. Wh...
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Capital One Journey Student Credit Card review: Earn bonus cash back for paying your bill on time and build your credit history with no annual fee

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.Review: Is the Capital One Journey Student Credit Card the best card for you?If you're studying for finals, applying for internships, and thinking about what you'll do after graduation, you're setting yourself up for success when you no longer call yourself a student. In addition to earning top grades, though, you 'll need to establish strong credit to access all the adult things you'll eventually need like a car loan and a mortgage.If you're looking for your first credit card, the Journ...