Personal Finance

Smart strategies for banking, budgeting, loans and credit, renting or buying, retirement, insurance, taxes, and more. … Personal Finance Definition. Personal finance is all about managing your income and your expenses, and saving and investing.

Will adding my minor child as an authorized user on my credit card help build their credit?

As the title says will adding my minor child to my credit card as an authorized user help build their credit for the future? I saw a post online that talked about this but I wasn’t sure if it was real or not. If I could do something as simple as adding my child to …

Will adding my minor child as an authorized user on my credit card help build their credit? Read More »

Refinancing: Lender falsified information and would like me to sign.

I recently applied to refinance my house and submitted a paper application with signature. The lender then typed it up online with some extra information: $10,000 Bonus income per month. This almost doubles my monthly income. They are asking for an e-signature. I asked about the addition, and they said it was a mistake, okay …

Refinancing: Lender falsified information and would like me to sign. Read More »

How much should I save for retirement in addition to government pension and social security?

I work in the public sector, so my salary is on the low side ($30k), but the benefits, including retirement are worth it. My question is, how much should I be saving in my 457 and Roth? Right now I have a total of 15% of my pre-tax income going to pension, 457, and Roth. …

How much should I save for retirement in addition to government pension and social security? Read More »