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Get Rich Slowly – Personal Finance That Makes Cents.



Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.



Last Build Date: Fri, 18 Aug 2017 05:40:01 +0000

 



A Home Owner’s Guide to Refinancing Your Mortgage

Tue, 13 Jun 2017 15:00:10 +0000

Low mortgage rates unleashed a massive wave of refinancing that was a windfall for millions of consumers, but what will happen once those unusually low mortgage rates are gone? Will refinancing mortgage loans effectively be sidelined as a financial resource for home owners? While the opportunity to lower your interest rate may be the most compelling reason to refinance, it is just one of several. Refinancing can accomplish different things for different people, and the...(image)

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5 Ways to a Lower Mortgage Payment, According to a Realtor

Wed, 19 Apr 2017 21:06:15 +0000

Are you buying a home soon? If you are, then you probably want to get the most for your money at the lowest cost, including your monthly mortgage. Since mortgage loans are the way most people buy homes today, it’s important to know how to get the lowest mortgage payment possible. 5 Ways to a Lower Mortgage Payment, According to a Realtor What many home buyers may not understand is that until a mortgage is...(image)

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7 Tricks That Helped Me To Become Financially Secure in College

Tue, 18 Apr 2017 19:17:57 +0000

Do you ever feel like debt and homelessness are going to overwhelm you? Me, too, or at least I did. Ever since I was accepted into college, I’d been struggling to utilise my government support effectively and managing my funds from freelance gigs and casual work was an absolute nightmare. That was until I figured out how to save money successfully, and actually make some along the way. 7 Tricks That Helped Me To Become...(image)

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How to Watch NCAA March Madness Basketball Without Cable (and Save Big)

Tue, 14 Mar 2017 19:20:20 +0000

While the cost of pay-TV service is going up and draining savings accounts, something as popular as the NCAA March Madness basketball tournament can be easily live streamed, even if you don’t have a cable subscription. The average monthly cable bill had reached $103.10, according to a 2016 study by Leichtman Research Group. Let’s take a step back and realize this is just the average, so that means there are plenty of people paying well over...(image)

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Best Savings Accounts for 2017

Tue, 07 Mar 2017 21:27:47 +0000

Most Americans aren’t saving much these days, but if they knew how to better grow their money with high savings rates, they may change their mind. One recent survey found 62 percent had less than $1,000 in a savings account, and only 29 percent had over $1,000 put aside for emergencies. Many will point to low interest rates as the reason they are not saving in an account, adopting an almost “why bother” attitude. But...(image)

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Best Online Brokers for Small Investors and Beginners 2017

Wed, 22 Feb 2017 01:00:41 +0000

Investing for the first time is a lot like taking that plunge into a new activity – you are intimidated by everything you think you don’t know and you don’t want to appear clumsy in front of others. With the plethora of online brokerages, the opportunities for first-time investors are wide open. However, this wide variety of investment options means you do need to be educated before you begin. You don’t want to put your...(image)

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Best Checking Accounts for 2017

Wed, 15 Feb 2017 19:13:53 +0000

Checking accounts are notorious for just sitting there and doing nothing for you except holding onto your cash until you need to pay a bill. But there are accounts out there that do pay interest – albeit minuscule – and offer other benefits and enticements! We’ve done the research for you. Several things to look for in a checking account: • No minimum to open • No minimum to earn interest • No ATM fees...(image)

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Best Cities for Retirement 2017

Fri, 20 Jan 2017 21:11:03 +0000

Retirees may have different tastes in culture and recreation, but there are some basic aspects of a retirement living environment that have fairly universal appeal. Getrichslowly.org ranked the 20 best cities for retirement to help you decide where to spend your golden years, coming up with a diverse list, with choices that span across the country. There are some names on the list you might expect, and some that will probably come as a big...(image)

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Buy Power Capital One Credit Card Review

Fri, 30 Dec 2016 15:00:26 +0000

Buy Power Capital One Card Review Note: See also How to Choose a Credit Card for tips on finding the right credit card for you. Our partner site CardRatings.com also has articles to help you find the right card be it a cash back credit card or balance transfer credit card. Their Credit Card Comparison Table also allows you to easily search dozens of current credit card offers. Thinking of using a credit card for...(image)

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How to Forecast Your Retirement Savings

Tue, 27 Dec 2016 01:51:58 +0000

It’s a common set of questions: How much will I have in savings when I retire and am I using the right tools to get there? Let’s tackle the first one first. There are four components to this kind of retirement savings projection: 1. Investment returns While financial planners often use historical average returns for these assumptions, you may be wise to be more conservative. Assuming lower-than-average returns will help you prepare for sub-par market...(image)

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7 Ways to Skip the Day Job

Thu, 22 Dec 2016 19:49:08 +0000

I’ve been earning a living since the Bronze Age (circa 1973), without ever holding a day job. Over the decades I’ve had my share of money struggles, but I found my way around them and am now, at 65, in the best financial shape of my life. Here are seven lessons that helped me arrive where I am today. 1. Take risks. My final semester of college, while attending Tulane University, I decided after graduation...(image)

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11 Years On: Why I’m Still Glad We Bought Our Mexican Home

Wed, 21 Dec 2016 21:45:59 +0000

In 2005, my husband and I bought an old house in the center of Guanajuato, Mexico. I wrote a post about it for Get Rich Slowly at the time. The benefits — some of which we didn’t foresee when we bought the house — are many: having a stable investment during economic uncertainty in the U.S, especially the 2008 downturn; a potential future home if I’m widowed; enhanced fitness simply by walking everywhere; a community...(image)

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How to Create Passive Income

Tue, 20 Dec 2016 19:06:45 +0000

Side jobs are always a popular topic on Get Rich Slowly. Whether your goal is to boost savings, supplement retirement income or pay down debt faster, you are not alone in choosing to work nights, weekends or in-between other demands. This can mean Uber driving, dog walking, freelance writing, even assembling IKEA furniture for a fee, essentially wherever skills and interests intersect with demand for those services. The U.S. Bureau of Labor Statistics says about 20 million Americans...(image)

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Refinancing Tips When Rates Start to Rise

Sun, 11 Dec 2016 23:26:53 +0000

Rising interest rates can mean many things for the U.S. economy, but one thing is always certain when it comes to homeowners: when rates go up, refinancing goes down. With the Federal Open Markets Committee — the 12-member group that helps decide monetary policy as part of the Federal Reserve — set to meet on Dec. 13 and 14, mortgage rates could be on track to do something they have rarely done in recent years, which is...(image)

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The Essential Guide to Retirement

Tue, 06 Dec 2016 22:31:44 +0000

There is no shortage of retirement saving advice out there, but do you find it’s hard to find advice relevant to your situation when you need it? If so, this guide should help. Here are a couple of basic ground rules to this guide: This is not financial advice for the rich and famous. As much as financial professionals like to write about the more exotic vehicles and tactics out there, those things have no...(image)

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What is a 702 Retirement Account?

Thu, 01 Dec 2016 13:47:35 +0000

Most people hate to pay taxes. That’s not hard to understand. What is baffling is the length people will go to avoid taxes – sometimes, the cost of avoiding taxes exceeds the taxes themselves. The reason this happens is that for some people, all they have to hear is that a scheme will help them avoid taxes, and they are on board. Remember though, avoiding taxes should not be your ultimate goal. The idea is...(image)

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Taking a Broader View of Refinancing

Fri, 18 Nov 2016 02:29:23 +0000

Thirty-year fixed mortgage rates have dropped from above 6 percent to below 4 percent. This has touched off an unprecedented refinancing opportunity for homeowners. However, unless they learn to take a broader view of refinancing, those homeowners may be missing out on the biggest money-saving opportunities. By now, home prices have recovered to levels higher than at any time other than the peak years of the housing bubble. Between that and the principal payments homeowners...(image)

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Guide to Small Business Checking Accounts

Thu, 17 Nov 2016 07:29:07 +0000

Small business owners have unique needs when it comes to their checking accounts. Here is a simple guide to understanding what features you need when it comes to small business checking accounts and exactly what you don’t. Getting started The first step is to think about what you will need the account for. Paying lots of vendors by check daily? Make sure you don’t get locked into an account with per-check fees. Unsure if you even...(image)

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Saving for Your Newborn

Tue, 15 Nov 2016 14:40:09 +0000

You’ve got the crib. The baby monitor. The stroller. The highest-rated-for-safety car seat. You’ve thought of everything for that newest member of your family. Or have you? What about your baby’s financial future? Related >> Household Budgets for Beginners: Simple Tips for Success What kind of account should you open for your child, and when should you do it? According to financial planning experts, it is never too soon to set up a savings account for...(image)

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How Much to Save for Retirement

Mon, 14 Nov 2016 22:27:42 +0000

According to a recent consumer survey, most Americans have very little — if anything at all — saved for retirement. Fifty-six percent of Americans have less than $10,000 earmarked for retirement, which is not even enough to cover a year of day-to-day living expenses for most people. This is echoed by a survey Get Rich Slowly did with Experian earlier this year. In that national survey, 71 percent of Americans felt they weren’t saving nearly...(image)

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Best Budget Apps 2016-2017: Mint

Mon, 14 Nov 2016 18:54:41 +0000

In the old days you had to wait to get that monthly statement from your financial institution to see how much money you had coming in, and how much money turned around and went out. Today all that information is on-demand and contained within your smartphone — but which apps are best to manage all that data? In this installment of our ongoing series: the best budget apps, we check out Mint. App Overview Mint is a...(image)

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What is a Spousal IRA?

Wed, 09 Nov 2016 18:35:34 +0000

A Spousal Individual Retirement Account (IRA) is a special type of IRA that is designed to benefit a non-working spouse and allows a married couple to each have an IRA to help fund their retirement. Internal Revenue Service rules require that you earn taxable compensation from work in order to have an IRA. The IRS defines “compensation” as income generated from a wage, salary, commission or self-employment. It also counts alimony, separate maintenance and tax-exempt...(image)

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Household Budgets for Beginners: Simple Tips for Success

Tue, 08 Nov 2016 23:35:54 +0000

We all know we should make and stick to a household budget if we want to be able to sock away savings each month—and end up financially comfortable. But building a household budget as a beginner can be daunting. Only one in three Americans takes the time to create a monthly budget, a recent Gallup poll showed. (I don’t need to tell you the rest of us are spending an inordinate amount of time looking...(image)

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Savings Strategies for High-Net Worth Individuals

Tue, 08 Nov 2016 23:17:21 +0000

A lot of things change as you start to rise up the income ladder. Most of them are good – the old junker is replaced with a comfortable new car, the apartment becomes a house, you order steak instead of a hamburger. At the same time, managing your money becomes more complicated. Savings strategies for high-net worth individuals can be different. Recognizing how that game changes as you start to earn more will help you...(image)

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How to Build a Savings Nest Egg (Even While Broke)

Tue, 08 Nov 2016 23:06:56 +0000

Living paycheck to paycheck is never easy, but it doesn’t have to mean you can’t save for the future. Everyone needs a savings nest egg or emergency fund. The solution is to get prepared now, no matter what it takes. (And know that you aren’t alone! One study by the Federal Reserve found that most Americans have $400 or less in cash savings.) Let’s start with one straightforward and relatively simple savings goal: setting aside...(image)

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How to Find the Best CD Terms

Tue, 08 Nov 2016 22:54:55 +0000

There are investors and there are savers. If you fall into the category of the former, you have a greater tolerance for risk. If you are a saver, your main financial concern is to protect your principal, which leads many to certificates of deposit. But how to find the best CD terms? Let’s start at the beginning. The goal of a CD is to ensure the principal can be spared no matter what happens in...(image)

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Market-linked CDs Explained

Tue, 08 Nov 2016 20:52:52 +0000

Many people have heard of CDs — certificates of deposit. But not many will say the same for market linked CDs, also known as equity CDs or market or indexed CDs. Though they’ve been around since the 1980s, renewed interest in market-linked CDs is a product of our current interest rate environment. Interest rates are low. Really low. So it’s understandable that people are looking for some risk-free or lower risk ways to earn the...(image)

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How Not to Overspend

Mon, 07 Nov 2016 13:25:38 +0000

Technology has given consumers unprecedented access to shopping opportunities — you can shop, literally, morning, noon and night. From your phone or tablet. Debit, credit, store cards, gift cards…the list is endless. There probably has never been a tougher time to resist the temptation to overspend. A few impulsive clicks and your carefully crafted monthly budget is kaput. So it’s no wonder our personal finance experts get this question all the time — how can...(image)

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What to Do if you Inherit an IRA?

Fri, 04 Nov 2016 11:50:33 +0000

Savvy savers open Individual Retirement Accounts for themselves to ensure that their golden years will be enjoyable and not fraught with financial worry. But what if you die before you reach retirement? What happens to your IRA? What to do if you inherit an IRA? First things first: When you open your IRA account, you will fill out a form listing beneficiaries. It is important to keep this form up to date throughout your working...(image)

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The Savers Tax Credit Explained

Wed, 02 Nov 2016 20:18:40 +0000

A little known tax credit can help you save for retirement, even if you feel you don’t have the money to do so. The formal name is the Retirement Savings Contributions Credit. Most people, however, know it simply as the Saver’s Credit, a two-timing savings strategy that reduces taxes and increases retirement. By the numbers, here is how the Saver’s Credit works: Let’s say you pay yourself $2,000 in a qualified retirement plan, such as...(image)

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