Budgeting

Apache is functioning normally

Growing up, my parents taught me very little about financial responsibility. It wasn’t until college, when my parents expected me to pay my own car insurance, that I was forced to learn the basics of budgeting. It was just one bill, but it was traumatic to me since I’d never paid for anything myself until that point. Looking back, the lesson was introduced too late. It didn’t “take”.

Had I understood budgeting earlier in life, some of my financial choices might have been different. Obviously, this isn’t the only reason I accumulated a mountain of debt, but it’s an example of the lack of financial education I received as a kid. (Fortunately, now thousands of dollars in debt are gone after a lot of planning and sacrifice — and of course, using coupons.) My husband and I want to teach our boys smart financial habits at a much younger age than we learned them.

An 11-Year-Old’s View of Money

For Christmas, our 11-year old son, T, wanted wanted a cell phone. Actually, when the new iPhone 4G hit the market, he suggested that he could take my 3G to use so I could get the new 4G. (His generosity knows no bounds!) While his suggestion gave his parents quite a laugh, we seized the opportunity to teach him a financial lesson. Here’s a bit of that conversation:

Me: “T, even if you did get an iPhone, the monthly plan is expensive. Who would pay for that?”
T: “You can just add me onto your plan, Mom.”
Me: “You didn’t answer my question, who would pay for that?”
T: “Well, you would. It’s only a few extra dollars a month. You and Dad work, so that’s nothing.”

The last statement set me off a bit! My husband and I do not want our kids to think that just because money is earned means it has to be spent. We also don’t want them to think that just because their friends have the newest fill in the blank that they need it too. After this conversation with my son, we decided to teach him a financial lesson.

An 11-Year-Old’s First Budget

s Christmas rolled around, T kept mentioning the cell phone. He really wanted it. So, we sat down and had a more detailed discussion about budgeting.

Since the cell phone would be T’s first and and only bill, we talked about his cash flow. He makes $44 a month for doing his chores (with potential to make more money each month for doing other things). We broke down his current expenses. I know he’s only 11 years old, but we really wanted this lesson to impress the importance of budgeting and giving.

I suggested that if he could find a phone plan that cost 50% or less of his monthly income, we’d consider the phone. The only limit to his search was that we needed a monthly payment plan without a contract. If he didn’t pay, we didn’t want to be bound to a contract we were paying for and not using. No payment means he simply wouldn’t have a phone to use (after all, a cell phone is a want and not a necessity).

An 11-year-old's budgetBeing eleven years old and not knowing how to find the information, I came up with a list of websites for him to review (with my guidance for some online safety measures). He browsed the sites, wrote down options, and noted which carriers offered a monthly service plan option.

After his review, he gave me his analysis and recommendation. I wasn’t surprised at the suggestion since I’d done some preliminary research myself. The lowest monthly payment plan was $25, and it did offer the monthly payment option that we required. Even though this was $3 over his $22 budget, we decided it was the best financial option meeting the requirements.

As we were going over the numbers again with the $25 cost, we discussed all of T’s expenses that his $44 monthly income was expected to cover. During this talk, we reminded him about tithing, and ensuring that 10% of his income is set aside for our church.

T’s response to this didn’t surprise me: “That’s easy. I make $44 and will spend $25 on my phone bill. That leaves me with $19. So 10% of $19 is $2.” While I appreciated his stellar math skills, we also took the time to remind him that the 10% giving was before he paid any bills. For us, that lesson was equally important in his understanding of financial generosity.

Family Financial Responsibility

Going through this budgeting process was eye-opening for all of us. While some parents are worried about having “the talk,” I was equally concerned with having this budgeting talk. This was a great lesson to teach T, but we hope that dad’s jacked up car and his first-hand look at poverty also show him reasons why we make the choice to manage our money wise in the first place.

Maybe 2011 is the year you take control of your finances and say good-bye to debt. For our family, 2011 is the year that we, as a family unit, focus on financial responsibility. And it started by teaching an 11-year-old how to budget for a cell phone.

Source: getrichslowly.org

Apache is functioning normally

Imagine the freedom to never worry about money. Some dopes think that means having so much of the green stuff that you could never spend it all. But bad money management has put many a Richie Rich in the poor house. No, I’m talking about the kind of freedom that comes from being in control of your dough. I’m talking about a budget.

I know budgets aren’t romantic. And for all those people who feel they’re entitled to buy whatever they want, whenever they want it, a budget can seem like kryptonite. But you can choose to continue to see a budget as a major pain in the butt, or you can choose to see it as a useful tool that helps you spend your money on the things that are most important to you.

By Any Other Name…
Once upon a time to try and get away from the stigma the word “budget” carried, I took to calling them “spending plans.” But you know what? It wasn’t the word people hated — it was the discipline, the work, the focus required to pre-determine how much you were going to spend, and then spend no more.

Regardless of whether you call it a spending plan or a budget, the point of the exercise is to decide how you’ll spend your money. Having a plan gives you the freedom to enjoy yourself because you don’t have to worry about how you’ll pay the bill when it comes in. You’ll know, right from the start, whether you can afford the purchase you’re contemplating or not. And if you really, really want it, you can decide what you’re prepared to give up to get it, whatever it may be.

Note: This sort of decision-making is what conscious spending is all about. Your regular expenses are mapped by a budget. When something unusual comes up, you can make the decision: Do I pull money from the grocery or gas or garden budget? Or do I wait to save for the new thing?

Have you ever made a large cash withdrawal from a banking machine only to wonder a few days later where all the money went? Think for a moment: Where did the last $100 you spent go? Stop for a minute and write it down. Chances are you can account for most of it, but there may be five, ten, or twenty dollars missing from your list.

Why You Should Track Your Spending
What does it cost you to live each month? Some people under-estimate their expenses because they forget the things that don’t occur every month.

  • Did you include your gym costs even though you pay them once a year?
  • How about your house or car insurance?
  • Did you include the cost of your haircuts, your contact lenses, or your vacation?
  • Do you pay someone to shovel your snow, clean your windows and carpets or do your taxes?
  • What about your vet bills, the flowers for your garden or patio, your best-friend’s birthday present?

Some people under-estimate their expenses because they actually don’t know how much they’re spending on things like take-out, clothes, and coffee. Over and over when I show folks how much money they’re spending on the non-essentials of life, they’re gob-smacked. Well, the only way to make a budget that will work is to know what you have been spending so you get some sense of what you’re going to have to change.

One of the best ways to gain a perspective on your spending habits is to keep a log of everything you spend, each time you do a transaction. The idea is to figure out where you’re spending all those dimes that seem to go missing each month. It’s also about learning more about yourself and where your place your priorities. This isn’t about shame, blame, or deprivation. You don’t have to change anything you don’t want to change. But you should at least know. With a spending log, you’ll have a clear picture of what you’re getting for your money.

When you do all your money management in your head, it’s very easy to forget things — sometimes important things — that will have an impact on your overall financial life. You’re always guessing how much you have left. And you shouldn’t really be surprised when your account is overdrawn. After all, if you don’t know how much you have, how can you know how much you can spend?

If you don’t believe you can find the time to maintain your budget — collecting receipts, entering details onto your budget, adding it all up and balancing it out — think about the time you have to spend solving the problems that arise from not taking care of the details. And think about all the money you waste on overdraft fees, interest costs, and ATM transactions. You’ll have to decide whether you’d rather live life peacefully, or continue waking to the specter of financial worry rattling his chains at the foot of your bed.

Source: getrichslowly.org

Apache is functioning normally

Banks are businesses, and businesses are all about profit. Thus you shouldn't be surprised that they're out to make a buck. Just don't let it be your buck.

One of Satan's imps getting ready for a heat bathAutomated teller machines are from the devil, and debit cards are Satan’s imps.

Sure, it’s great to be able to get cash whenever you want. The problem is, well, you can get cash whenever you want. Not only do you get hooked on instant access, you may not use the money wisely once it’s in your hand.

Notice how $20 bills have become the coin of the realm, as it were? (I’ve even seen little kids use them to pay for candy bars, which is just scary.) Once that $20 is broken, what are the chances that you’ll take pains not to waste the rest?

In the past year I’ve heard the same issue from a number of financial coaches and budgeting experts: Too many clients withdraw $20, $40, $60 or more but can’t really account for how it was spent.

To make matters worse, banks are hiking their ATM fees, to as high as $5 for a non-customer transaction — and on the other end, too, as your own bank penalizes you for going out of network. Imagine paying $6 or more for the privilege of withdrawing $20. (Dude, make it $200 because I have a genuine Rolex I’d love to sell you at way below retail, today only.)

These five suggestions will help you resist the siren call of “Easy money! Just enter your PIN!”

Be Your Own Cash Machine

This is a two-part process. On payday, withdraw — from your own bank’s ATM — as much as you think you’ll need until next payday. To find that magic number, simply consult your budget. If you don’t have a budget, make one; Gail Vaz-Oxlade’s article on GRS is a good way to start.

Tip: If the B-word sounds punitive to you, then call it a “spending plan.” Call it Billy Bob if you want. Just make one.

Naturally there will come the week when you pay for a child’s field trip, hit a Saturday yard sale, or break down and buy snacks at the movies. You’re out of cash by Tuesday and you don’t get paid until Friday. Time for the other half of the equation: The coffee-can ATM, aka the cash cache.

Figure out an amount you’re comfortable having around the house. (I shoot for $200, but the amount waxes and wanes.) Next, figure out a really superb hiding place. Remember that burglars will almost always empty out desk and dresser drawers, and one of the first places they’ll look is under the mattress.

Tip Don’t make the hiding place so clever that even you can’t find it.

Suppose you haven’t built your at-home ATM, or suppose you’re far from home when you become cash-poor. Discipline yourself to use only an in-network machine:

  • Make a mental map of ATMs in your region. It wouldn’t hurt to keep locations written on a 3-by-5 card in your wallet or the glove compartment.
  • Get one of those free phone apps that will locate the closest no-fee machine.
  • Call the customer service number on the card and see if you can get a human being to help you.

However: Before you seek budgetary backup, determine if it’s really necessary. School yourself to think about withdrawals in a logical, methodical way, i.e., to avoid them whenever possible. Which leads us to…

Ask Yourself Exactly What You’ll be Using It for

“I just want some extra cash for the rummage sale/street fair/strip club” is not the correct answer.

How much can you afford to spend in any of those places? Will you be withdrawing this cash from the “household” or “entertainment” portion of your budget, or will you conveniently forget the extra drain on your funds?

If you can’t account for it, don’t take it out.

Hint: A $5 funnel cake at the street fair is a want, not a need. If you decide to buy one, make sure it’s deducted from your “fun money” budget later. Because let’s face it: Funnel cakes really are fun.

Too late! I already took it out!
Then put it back, you numbskull. Seriously. If you don’t actually need it, or if you only need $20 but took out $40, put some or all of the cash in an envelope and re-deposit it. Problem solved.

“But what if I need that extra money later?” you wail.

  • You probably won’t. But you’ll probably want it. There’s a difference.
  • You can always go back later if you truly do need extra money.

If you’re reluctant to put the money back, take a deposit envelope with you when you leave the ATM. Each time you buy something, put the receipt in the envelope and write down how much you spent on the outside. Add it up as you go. Perhaps by the sixth purchase of the day you’ll look at the envelope and think, “Dang, I’ve already spent $57 in three hours! Maybe I don’t really need this bookcase/necklace/table dance.”

Back at home, spread out the receipts and see just how that $40 or $60 got pissed frittered away. Can you live with this level of unconscious spending? Can you find other ways to meet your needs?

And can you remember this the next time you’re tempted to get walking-around money from the no-armed bandit known as the ATM?

Avoid Withdrawal Creep

Stuff does happen (ask me how I know) and sometimes you really do have to come up with an extra $25 on short notice. Here’s the problem: You’ll probably have to take out $40 because most ATMs deal strictly in twenties.

You have a couple of options:

See if there’s a way to break one of those double sawbucks on something you actually need. Not the two-buck strip of beef jerky at the gas station, but rather the free-after-rebate toothbrush at the drugstore. Re-deposit as much of that twenty as you can.

Or fold up the extra dough and put it in your shoe, to be taken out at home and added to your cash cache. If you have any class at all, you’ll be too embarrassed to take money out of your Keds at the rummage sale, street fair or strip club.

Your other option is to…

Use an ATM Alternative

If there’s something you need (not want), buy it at the drugstore or supermarket and ask for cash back. Ideally this item would be small enough to stick in a purse or coat pocket — dental floss, say, or a three-pack of condoms. (Either one can save you from a world of hurt later on. Consider them investments.)

The beauty part is that you can probably get cash back in non-$20 increments — $5 or $15 vs. $20, $35 or $50 instead of $60. (Hit the “other” key when it asks you how much you want.) Another advantage is that you won’t feel as vulnerable as you might if you were standing at an ATM after-hours.

Note: Do not use this as an end run around your entertainment budget. Stopping at Safeway for a loaf of bread and some tomato soup and then tacking on an extra $10 for movie popcorn is sneaky. It’s not dumb, though.

You want to know what is dumb? Using one of those anonymous ATMs outside a convenience store at 3 a.m. Want to be robbed without the possibility of physical danger? Using a Brand X money machine increases your chances of being cleaned out. Not only will you pay those fees, you’re more likely to be victimized by a “skimmer” device. An independent machine can be fitted with a skimmer before being set up; crooks have even been known to put up bogus ATMs for a short time, then harvest the data.

The ATM outside a bank is under video surveillance and less likely to be tampered with — but there are no guarantees. In fact, this article from The Consumerist details how crooks put a skimmer in a bank-lock door (which grabbed the data) and a camera over the bank’s ATM (to grab the PINs).

Your best bet: Not using an ATM at all. (See all previous tips.)

Banks are businesses, and businesses are all about profit. Thus you shouldn’t be surprised that they’re out to make a buck. Just don’t let it be your buck.

Source: getrichslowly.org

Apache is functioning normally

Skip to main content

Chelsea Dehner

  • Published Oct 8, 2019
    – [Updated Apr 26, 2021]
  • 1 min read

  • Sources

  • The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is “as is” and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service.

    • When we think of things that will save the environment we think of taking the bus to work or buying local food — both expensive actions. Yet going green doesn’t have to cost you a ton of time or money. In fact, many of the eco-smart habits also help you save money by reducing excess and getting more use out of old things.

    We all know the phrase: Reduce, Reuse, Recycle. However straightforward it may sound, it can still be hard to incorporate environmentally friendly actions into your everyday. Becoming familiar with the sustainability of every company and brand you support can be time-consuming and difficult. It can be confusing to determine which kinds of plastic can be recycled and which can’t.

    Thankfully, there’s technology out there that can make helping the environment a bit easier — all while saving money. There’s apps that help us monitor our energy and water usage to help us make smarter choices, and apps that make it easy to upcycle old clothes and electronics.

    Check out the infographic below for a full list:

    Chelsea Dehner
    Chelsea Dehner

    Browse Related Articles


    Browse by Topic

    .wp-container-1.wp-container-1,.wp-container-5.wp-container-5,.wp-container-9.wp-container-9,.wp-container-13.wp-container-13,.wp-container-17.wp-container-17,.wp-container-21.wp-container-21,.wp-container-26.wp-container-26,.wp-container-30.wp-container-30justify-content:center;.wp-container-4.wp-container-4,.wp-container-8.wp-container-8,.wp-container-12.wp-container-12,.wp-container-16.wp-container-16,.wp-container-20.wp-container-20,.wp-container-24.wp-container-24,.wp-container-29.wp-container-29,.wp-container-33.wp-container-33flex-wrap:nowrap;

    Source: mint.intuit.com

    Apache is functioning normally

    This is a guest post from No Debt MBA, who is trying to pay for an MBA from a top-five business school without student loans. This is a post that asks questions but offers no answers.

    My significant other and I had an interesting discussion the other night. We were trying to make plans for a week of vacation this summer and were deciding between two different options:

      • A cross-country trip with plane tickets where we’d spend some nights staying with friends and spend days touristing and eating out.
    • Driving to a nearby state or national park and camp or backpacking for a week.

    I’m headed to business school in the fall, and my first tuition bill is due in a few weeks. Can you guess which option I advocated?

    What can I afford?
    The discussion brought up an interesting question of what kind of luxuries I can afford right now. Neither vacation plan was particularly extravagant by most measures, but the first would cost over $1000 per person and the second would be under $500 per person (even if we bought new gear).

    I have enough money in my savings account right now to pay either bill; however, I see that money as being earmarked for business school. I don’t have enough to pay for both years of my MBA, even when I make some reasonable projections of future income (such as next summer’s internship). Do I really want to add a $1000 vacation on top of this?

    My significant other pointed out that I probably have more than enough to cover the rest of my goal and have fun if I use my Roth IRA, which I had considered as a vehicle for saving for my MBA, but also as retirement savings. I countered that raiding my retirement savings or taking out student loans for a vacation was financially irresponsible and against my values. Plus we could have a fun, but less whizz-bang vacation around here for a lot less.

    Note: Before you think my significant other is crazy or a spendthrift, let me note that this trip had been under discussion for a long time. We had planned to stay with people we know to avoid most of the hotel costs, and the trip would have been paid for in cash. I’ve basically gotten financial cold feet.

    Seeking balance
    We decided to stay local for our vacation, but I don’t think either of us felt particularly good about the discussion. The question of what I can afford will continue to be a problem since I’ll still have cash sitting in the bank to pay for next year’s MBA expenses and my basic living expenses. But my significant other will be continuing to work and has a right to be interested in maintaining a lifestyle that reflects that.

    So the question is: What can I afford? How can I tell? Can I afford to eat out tonight? Go to a concert? Buy new clothes? Up our $25/week grocery budget?

    It’s very important to me to meet my goal of graduating debt-free. So far, my significant other has been supportive. But there’s definitely a balance to be struck here. That balance will keep my goal sustainable and help me avoid burnout. It will also keep my significant other from going crazy and resenting my extreme frugality and goal of staying debt free.

    I’ve incorporated basic living expenses into my budget estimate. I know I’ll need to buy food, pay rent and utilities, and have a way to get around. But the question is how much else can I afford. Additional expenses just make my goal harder to reach. At the same time, I don’t want to make my significant other miserable for the next two years.

    J.D. has his balanced money formula, but how does something like that work (or any budget at all, for that matter) when you have no income coming in and a limited amount of savings?

    Source: getrichslowly.org

    Apache is functioning normally

    Autumn is here and the leaves are just starting to turn. Believe it or not, that means it’s time to start thinking about the holiday season. Holiday expenses can pile up quickly. Planning ahead saves you sticker shock and can spare you a steep credit card bill in the new year.

    Careful planners have laid out their holiday budget well in advance and saved for it all year long. It’s not like the holiday season is a surprise, after all! A generation ago, it was common for housewives to be part of a “Christmas club” at their local bank, which was just a targeted savings account where you saved a little cash each week and got it back in a lump sum before the holidays.

    But what if you haven’t laid aside a nice nest egg for holiday shopping, travel and entertaining? Well, it’s never too late to start. Getting on the holiday savings bandwagon now will help you create a buffer between you and all those extra bills.

    How can you do it?

    Begin with a budget
    1980 Gates Christmas - Tiff and KrisStart with a budget of expected expenses. You probably know at least roughly what you spend year to year. If you’ve been tracking your spending, you can even look back at the past few Decembers and get a more detailed feel for what your expenses have been.

    Don’t just look at what you spend at the mall. Gifts are probably a big chunk of your holiday budget, but they’re not everything. You also need to consider added costs for food and drink if you entertain during the holidays. Travel costs are a factor if you visit relatives, whether it’s a road trip to Grandma’s or an international flight.

    Then there are all the little expenses:

    • The gifts for your child’s classroom teacher, and the secretary at your office.
    • Yankee swap (or white elephant) items.
    • A bottle of wine for the hostess at each of the four holiday parties you attend.
    • A dress for New Year’s Eve — and new shoes to go with it.

    Once you’ve looked over your expense records for last year (or wracked your memory if you’ve just gotten on the personal finance bandwagon and don’t have last year’s records), it’s time to sketch out a budget. I like to be specific in my holiday budgeting. I make a “Santa’s list” of gifts I expect to buy. I jot down rough expenses for the annual holiday party I host: how much I expect to spend on booze, food and sundry party supplies. I budget out any trips we’re going to take, like visiting my father for Thanksgiving.

    This may sound tedious, but I find it really fun. In general I use more detailed budgeting than J.D. does, so I may be predisposed to finely tuning things. If you prefer a looser method, you need only figure out how much your total spending from, say, mid-November through New Year’s exceeded your regular monthly spending. That’s how much extra cash you’ll need to cover your holiday expenses.

    If you’re like me, you probably want to take a more detailed approach. In the case of my holiday budget, it’s not a chore at all. It’s sort of an anticipatory activity. I sit down with my husband and plan out what we want to do for the kids this year. I get to imagine how my party will be, and think about what kinds of food and drink I’ll serve. Checking on airfares to Tucson is a chance to think about the Thanksgiving meal I’ll share with my father, and how happy he’ll be playing with my kids. I’m looking ahead to the things I enjoy about the holiday season, while I’m figuring out what each one will cost me. It helps me keep my expectations realistic, and gives me a chance to savor the time with friends and family that I’m looking forward to.

    Starting to save
    Once you’ve figured out your budget, in whatever level of detail is comfortable for you, it’s time to save that money.

    Money doesn’t come from nowhere. To save up a chunk of cash over a few months, you’ll probably want to employ several strategies.

    • The first thing you can do is cut back on your discretionary spending. Stop eating out, scale back on entertainment. Stay in with Netflix and a good homemade meal a few times, and you’ll save a decent chunk of cash. Taking a close look at your spending habits will probably highlight some other things you can cut back on: shopping, subscriptions, travel. The usual suspects. If you’ve been managing your finances closely for even a little while, you probably have a good idea of what your personal money sinks are. You know what can be cut for a short period of belt-tightening. Now is the time to do it if you want to splurge over the holiday season.
    • Once you’ve cut back your discretionary spending, look at ways to bring in more cash. Some people pick up part-time jobs around this time of year: plenty of places need seasonal workers, from stores at the mall to apple orchards. You can easily pick up a short-term gig doing something that may not thrill your soul, but will put extra cash in your pocket.
    • Alternately, you can look at earning money from a hobby or talent. Maybe you can schedule some portrait sessions, or make some money busking in the subway. You might be able to hang out your shingle doing some bike repair or odd jobs around people’s homes. Craft fairs and shops offer opportunities for knitters and crafters to sell their creations. Putting in some extra hours and effort with your creative work this season might well pay off in extra fun money right when you need it.
    • Finally, you can sell stuff. Possibly even some of last year’s Christmas presents. You surely have old DVDs, sports equipment or other useful things in good condition that you are never going to use again. Selling your unwanted goodies is a bit of an art. Some people, like J.D., are great at it. Others find it’s more of a hassle than a lucrative hobby.

    However you decide to approach saving for the holidays, have fun with it. Not only is it a good idea to put by some extra money for the upcoming season, but it’ll give you good practice at setting a financial goal and meeting it.

    Note: Another way to help your Christmas budget? Don’t forget to explore homemade gifts. These can save you money and be fun to make.

    Source: getrichslowly.org

    Apache is functioning normally

    Save more, spend smarter, and make your money go further

    Already having a tough time sticking to your New Year’s financial goal to save more and spend less in 2015?

    Well, we are here to help! We’re partnering with some smart and savvy consumer financial experts and Mint partners for a live Twitter chat to discuss some of the biggest spending trends and pitfalls and address how you can stick you your financial resolutions. After all, February is the new January.

    So join us on Wednesday, February 4th at 12pm PT/ 3pm ET for a live, hour-long #HowWeSpend Twitter chat to learn more about how to make smarter spending decisions this year.

    Host

    @Mint 

    Participants

    Mint’s own (@hperez), financial educator & #1 bestselling author (@TheBudgetnista), CNBC’s senior personal finance correspondent (@sharon_epperson), money-saving expert and Kiplinger.com columnist (@CHLebedinsky), bill pay tool and Mint partner (@MintBills), trusted name in consumer credit and resource for personal finance advice (@EFXFinanceBlog) and others.

    How to participate

    Make sure you follow Mint (@Mint) on Twitter so you can jump right in. Use the hashtag #HowWeSpend to search and select the “All” search option to follow the chat in real time.

    Save more, spend smarter, and make your money go further

    • Previous Post
      13 Grocery Shopping Hacks

    • Next Post
      3 Secrets to a Healthy Relationship with Money

    Mint

    Mint is passionate about helping you to achieve financial goals through education and with powerful tools, personalized insights, and much more. More from Mint

    Browse Related Articles

    Source: mint.intuit.com