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- 9. Medical expenses deduction
- Chubb
- Acquire a new business
- Why it’s the best
- 8. IT consulting
- Nonresident status rules
- Home equity lines of credit pros and cons
- Take surveys on Hilton's Guest Opinion Rewards
- Employer requirements
- 2. Stock dividends
- Consider 'fifth freedom' routes
- 2. Skill up on the skillet
- Volume, average volume and day’s range
- 4. Consider flipping investment properties
- 4. Marriott Bonvoy Boundless® Credit Card
- 2. Subtract fixed costs
- 7. Transfer points to airline and hotel partners
- Grants.gov
- What is the Chase checking account minimum balance requirement?
- Plan N
- LifeLock cons
- Moving costs
- 3. Mount Airy
- When and how long can you request a mail hold?
- 2. Diversify your holdings
- American Express
- How to avoid the hotspot scam
- Zolve Credit Card
- Choose a simple hairstyle
- Superior rewards-earnings
- 0% intro period + travel rewards
- Do I need to update Global Entry when I get a new passport?
- Sample monthly rates for a waiver of premium rider
- More bonus points for loyalty
- Leave 30% of your income for wants
- 6. Housecleaning
- 3. Consider insurance for flooding and earthquakes
- 3. States with progressive tax structures
- Price
- 5. Newborn and post-pregnancy services
- Learn what happens if you leave your job
- 3. Tap your home equity for a loan or line of credit
- The Apple Card
- Other perks of Delta premium economy
- Does homeowners insurance cover tree damage to your neighbor’s property?
- Icelandair
- 5. Use the venue's resources
- Qualifying assets
- Use Affirm as a payment option
- 3. Market analysis
- Poshmark
- Apply for a credit card at a credit union
- Expensify
- Emirates economy class checked baggage policy
- The drawbacks of options
- How do I access a HELOC?
- Damage you do to others
- Epcot
- Keystone Home Loan Program
- 4. Consider extra coverage
- Step 4: Invest in the tools of the trade
- Mortgage REITs
- 7. Built-in customer base
- Home office deduction
- 3. Learn to use market orders and limit orders
- You live near a U.S.-Mexico border and travel internationally frequently
- Friend and family loans
- Hotels in the Bahamas
- Fewer one-stop-shop options
- United Airlines MileagePlus
- TIPS funds
- Adjust the temperature on your water heater
- 4. Grailed
- 5. Deducting too many business expenses
- 3. Use the P/E ratio to find potentially undervalued stocks
- Market share pricing
- 10. Deduction for state and local taxes
- Nationwide
- Bond mutual funds = lower returns (but lower risk)
- Franchising
- 9. Catering
- 3. Land a brand deal and make sponsored content
- 2. Pick which options to buy or sell
- 4. Fiverr
- 10. Sign up for a free trial
- 3. Book recently added properties
- 3. Make sure they’re a good fit
- Highest customer satisfaction: State Farm
- Your motivation
- Donate Hilton points
- Index funds
- 3. Dividend reinvestment programs (DRIPs)
- Splurge for a suite
- When to use basic, diluted or adjusted EPS
- Beta
- Revocable life insurance trusts
- Most-redeemed Category 5 hotels
- 8. Ditch the company card
- How much is Hulu?
- America's Seed Fund
- What is the Chase direct deposit requirement for checking accounts?
- Consider your spending and flying habits
- 4. Keep the deadline in mind
- 4. Hickory
- Apply for aid
- Walmart Foundation
- Unpaid interest is cancelled
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- Andover Companies: Best coverage
- 2. Write a business plan
- 5. Check your travel protection benefits
- 8. Pet store, grooming and boarding
- 80,000 miles in Emirates business class to the Middle East, Africa, Asia, Australia or New Zealand
- Hilton Honors
- Semiconductor foundries
- 7. Housesitting
- 6. What experience should I emphasize?
- 4. Take surveys for money
- Pros of gold stocks
- 2. Evaluate the stock
- Mortgage rates
- 1099-A
- Consider alternatives
- 5. Plan for retirement
- 4. Barclays rewards
- 3. Don’t quit restaurants cold turkey
- Cheap full coverage car insurance companies by state
- 6. Find local gigs through Nextdoor
- Equifax business credit scores
- ARM caps
- 4. Real estate investment trusts (REITs)
- Ruby Lane
- Conventional loans
- 6. Compare mortgage rates and fees
- 8. Worldwide acceptance
- How much does a HELOC cost?
- Discounts
- Book a fifth freedom flight
- Best low-cost business expense tracker
- Ages 25-34
- Open for Business Grant Program in Houston
- 8. Be your own boss
- Self-employment tax
- Home prices keep climbing
- You plan to do some road-tripping in Mexico
- Guarda: 4.6 out of 5 stars
- How states are combatting rental housing junk fees
- Getting your mail at the end of a mail hold
- Other tools to help you budget
- Singapore Airlines KrisFlyer
- 4. Straightforward banking
- The cash option
- Purchase energy-efficient appliances
- 3. Investment accounts for kids
- 6. Claiming a home office deduction
- Pros
- Pros of buying bonds
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 5. Monitor your total credit utilization
- Recourse if you need a refund
- When are taxes due in October?
- 11. Mortgage interest deduction
- Putting out a fire
- 3. Tap TikTok’s ‘Creativity Program Beta’
- 10. Social media management
- 2. Promote your business
- Your money management style
- Cheap auto insurance after an accident
- Which is better when?
- What if a tree lands on your car?
- 4. Special dividends
- EPS (TTM) and earnings date
- 9. Pay your taxes
- Fees
- 3. Get employment law liability insurance before you scale
- 2. Review your Loan Estimates
- Program for Investors in Microentrepreneurs
- Injuries to you
- Sample letter requesting a goodwill deletion
- Become a social media influencer
- 5. Get a quote
- Conventional loans
- 5. Morehead City
- Hybrid REITs
- Read up before you buy now, pay later
- 4. Practice with a paper trading account
- Bank of America
- For frequent or high-end travel: The Platinum Card® from American Express
- Payday loans and the Military Lending Act
- Chase Ultimate Rewards® points
- Be wary of co-branded gas cards
- Choose the amount of coverage you need
- Dynamic pricing
- 8. Errand-running
- Pay bills on time
- Money market mutual funds = lowest returns, lowest risk
- Research your competition
- Our pick for: Everyday spending
- 3. Fill out the trade ticket
- Cons of gold stocks
- 6. Enrichment activities for children
- 4. Capital One Travel
- 11. Enter sweepstakes
- 1099-B
- 4. Review their fees
- Spend on a Hilton credit card
- 1. Have a goal for your index funds
- Cash-out refinance
- JSX and Silver Airlines
- 5. Gather your paperwork
- 7. Freelance
- Why you might roll a 401(k) into an IRA
- Premium
- 4. Products and services
- 3. Subtract variable expenses
- Best insurance company for affordability: NJM
- Rocket Money
- Hollywood Studios
- Cash or cash-like redemptions
- Emirates Skywards
- TreasuryDirect
- Ask about discounted rates
- Banks and financial institutions
- 9. Salon or barbershop
- Outsourced assembly and testing (OSAT)
- How renting from RVshare works
- Commit 20% of your income to savings and debt paydown
- Compare car insurance rates for 35-year-olds
- 12. Gambling loss deduction
- Book one to three months in advance
- 3. Decide how much stock you want to buy
- Bonus features
- 1. How long you have to rollover a 401(k): The 60-day rule
- Most coverage options: Allstate
- Trial periods
- Cash management accounts
- 5. Preferred dividends
- Leverage elite status
- Ex-dividend date
- Irrevocable life insurance trusts (ILITs)
- 5. Southwest Rapid Rewards® Plus Credit Card
- Make Money
- Etsy
- How much is Disney+?
- Legal protection
- National Association for the Self-Employed Growth Grants
- Our pick for: Beginner-friendly features
- Home warranty
- Debt management plan
- Verizon Small Business Digital Ready Community Grant
- What's next?
- Bank of America Charitable Foundation
- 3. Invest in sectors that perform well in recessions
- What if you can’t pay your bills?
- 3. Register and name your business
- Redemption flexibility
- What is the Buffett indicator?
- 7. Using nice, neat, round numbers
- 80,000 miles to Maldives in business class
- Pros
- Cons of buying bonds
- Examine riders
- 3. Learn the difference between investing in stocks and funds
- 9. Seasonal chores
- 4. Get quotes from at least three companies
- Keep credit utilization below 30%
- 11. Business planning service
- 4. Sell some merch
- 6. Optimize your finances with tax planning
- Allstate
- How to protect your home from tree damage
- Pros of buying a condo:
- 6. Go paperless
- 10. Ask family for help
- 5. Rent out a room
- Experian business credit scores
- What do I need for my loan application?
- Standard
- 9. Coverage if your trip is canceled or delayed
- Keystone Flex with K-FIT
- Safety ratings
- Determine if you can meet the welcome bonus spend requirements
- 6. Conover
- Publicly-traded REITs
- Exodus: 4.5 out of 5 stars
- How to hold mail at the post office
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- Hawaii weather and terrain
- British Airways Executive Club
- Afterpay: No-credit-check buy now, pay later loans
- Chase
- Bonus rewards on travel
- 5. Simplified business ownership
- 5. Vestiaire Collective
- Equipment dealers and distributors
- 4. Focus on market cap to screen out risky companies
- Cons
- 1. Examine your cooling needs
- Semiconductor distributors
- Competitive pricing
- 13. IRA contributions deduction
- 2023 tax rates by state
- 7. What kind of people has the company typically preferred?
- Account linking
- 2. Taxes are withheld
- Loan limits
- 1099-C
- 4. Take advantage of an early bird discount
- Prime Visa
- 5. American Express Membership Rewards
- 2. Research index funds
- Exchange-traded funds
- 6. Dividend funds
- Purchasing a Plumeria Lounge day pass
- PE ratio
- Cheap full coverage auto insurance for drivers with an accident or DUI
- 1-year target estimate
- 8. Tutor your peers
- 5. Financial information and projections
- 7. Gather your loan paperwork
- WomensNet Grants
- Travel
- Your stolen stuff
- Animal Kingdom
- Our pick for: General travel
- Capital One® Walmart Rewards™ Mastercard®
- Bankruptcy
- Step 5: Staff wisely
- Ages 35-44
- Gusto Impact Award
- Sole proprietorship taxation: Income and self-employed taxes
- 5. Measure your returns against a fitting benchmark
- Compare award letters
- Air Tahiti Nui premium economy baggage
- 10. Gas station
- 4. Determine the best asset allocation for you
- Cons
- No annual fee
- 10. Selling handmade crafts
- Keep credit accounts open
- 5. Make money from your blog with affiliate links
- 12. Tax consulting
- 2. Managing money
- 7. Mobile apps and entertainment for children
- 5. Upwork
- 4. Borrow from your 401(k)
- Example CD APYs at select institutions
- Pros of buying a co-op:
- Home equity sharing agreement
- Qatar Airways
- 7. Print your own
- 5. Money market funds
- Minimum
- Eureka
- How much is Max?
- Government-backed loans
- 10. Baggage delay insurance
- Reliability
- 61% fewer complaints than average
- Add a stopover (or two)
- Home staging
- Best business expense tracker for travel-related expenses
- 7. Brevard
- Competition remains steady
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- Iberia Plus
- How to avoid the sign-up farm scam
- Index funds
- Independent leasing companies
- How to earn Hilton Honors points
- 2. Time it right
- Look at the rate of return on cash value
- 14. 401(k) contributions deduction
- Individual gold stocks
- 1099-CAP
- Transfer Hilton points from AmEx
- Resident status rules
- 4. Shop online with purpose
- Moving averages
- 6. Pick your investments
- Why you might not want to roll a 401(k) to an IRA
- 4. Develop a marketing plan and decide on prices
- 4. Set aside a contingency fund for unexpected costs
- Swappa, Gazelle
- Money Manager
- Paperwork and compliance
- Disney’s Typhoon Lagoon Water Park
- Consider the net value of the card’s welcome bonus
- Debt settlement
- Public non-traded REITs
- Amegy Bank Small Business Boost Program
- 1. Restricting regulations
- Check your feelings at checkout
- Schedule C
- Consider how much you’ll need to borrow
- Payday alternative loans
- 4. Focus on the long-term
- What is the meaning of online banking and how do you use online banking?
- 4. Invest in the tools of the trade
- Hyatt
- 11. Grocery store
- American Express Membership Rewards points
- Fleet expense management tools
- Value-added pricing
- 11. Making greeting cards
- Space out credit applications
- 4. Use gifting
- 8. What should I wear to the interview?
- Cheap pet insurance in California for dogs
- 5. Offer memberships
- Resident status rules
- Security
- 3. Predict the option strike price
- Cheapest car insurance after a DUI
- 5. Do a final check
- 4. Open your account
- EPS growth
- Consider paying with miles
- Eligible properties
- 9. Take surveys
- 6. United℠ Explorer Card
- 6. Future plans
- 3. Loan processing takes over
- 11. Rental car coverage
- Military Entrepreneur Challenge
- 1. Avoid filing your tax return on paper
- Customer satisfaction
- 8. Aberdeen
- Ages 45-54
- Coinbase Wallet: 4.4 out of 5 stars
- Is the Buffett indicator high or low right now?
- For Apple Pay users: The Apple Card
- Switch to LED lighting
- Equipment brokers
- Additional resources:
- 3. Look for equipment rebates and tax credits
- Set a price alert
- 8. Shared accessories and attire
- Property standards
- 1099-DIV
- 7. Invest to build your future goals
- Most tech-friendly: Geico
- 6. Capital One Rewards
- Long-term accounts
- Personal loan
- Use an Affirm virtual card
- InboxDollars Surveys
- How much is Apple TV+?
- 8. Get a preapproval letter
- Disney’s Blizzard Beach Water Park
- Portion of buyer’s closing costs
- VA loans
- 6. Keep your perspective
- Carnegie Corporation
- 1. Automate transfers
- Chubb: Best for high-value homes
- Weather in the Bahamas
- Most popular
- Specialty or alternative funds
- Cash back sign-up bonus
- More attainable bonus rewards
- 12. Art teacher
- 15. Saver’s credit
- Monitor your credit reports
- Cheap pet insurance in California for cats
- 13. PR agency
- 3. Sell your castoffs
- 3. Pick your index funds
- Tactic 3: Use your military benefits
- Dividend per share (DPS)
- Can a guest decline Turo’s protection plan coverage?
- 5. Determine your profit
- Got more questions about how to open an IRA? We have answers
- 12. Travel assistance
- 2. Get direct deposit
- Keystone Flex-Purchase & Improvement with K-FIT
- Our pick for: Fixed monthly payments
- Step 6: Practice your elevator pitch
- 9. Reidsville
- Dayton Community Development Corporation grant programs
- What are the types of online banking?
- Marriott
- Potentially high rewards for certain members
- Dedicated check-in lane and priority boarding
- Install dimmer switches
- 5. Research the stocks
- World of Hyatt
- Pros of investing in semiconductor stocks
- Dwelling coverage
- Rebook if you find a cheaper price
- 6. Sell your wares on Etsy
- Gold stock ETFs
- Customer support
- Purchase discounted Airbnb gift cards
- Stocks
- Get a referral
- Purchase Hilton points
- Options
- How to have more taxes taken out of your paycheck
- 5. Stop solving problems with new products
- Support and resistance
- 10. Search for regular jobs for kids
- 4. The underwriter makes a decision based on your documentation
- AndroMoney
- Amica vs. State Farm home insurance
- General cost
- 75% for member benefits
- Conventional loans
- Private REITs
- Ages 55-64
- Shopping
- Other general-purpose travel card reviews
- 12. Drugstore
- Be aware of surrender charges
- Longer 0% intro APR period on purchases
- 13. Musician
- 16. Health savings account contributions deduction
- 9. What is the starting salary range for this position?
- Our pick for: Flat-rate travel rewards
- 5. Kiwi
- 1099-G
- 8. Grow your financial well-being
- Our pick for: Cell phone and internet bill payments
- Amica
- Example money market account APYs at select institutions
- Dividend yield
- IHG Rewards Club
- Part-year resident status rules
- Dividend payout ratio
- 8. Check out department stores
- Upgrading to Main Plus
- Popular Category 6 hotels
- 6. High-yield savings accounts
- Google Opinion Rewards
- 13. Purchase protections
- 3. Stay on top of things
- 10. Hendersonville
- Appendix: How the math works in our examples
- Can you open a bank account online?
- Use smart power strips
- Home equity loan
- Cons of investing in semiconductor stocks
- 5. Buy your home insurance policy and read it closely
- 14. Professional organizing
- Part-year resident status rules
- 4. Determine the option time frame
- 6. OfferUp
- Capital One® Walmart Rewards™ Mastercard®
- 7. Citi ThankYou Points
- Piggyback on someone else’s membership
- Cheap full coverage car insurance for drivers with poor credit
- Resident status rules
- 5. Get your business financials in order
- 7. Delta SkyMiles® Gold American Express Card
- 1. Be concise
- 6. Finalize your business budget
- Best insurance company for accident forgiveness: Geico
- Floods
- How much is Peacock?
- San Antonio Economic Development Department grant programs
- 2. Initial cost
- Schedule SE
- Prepared to put down roots?
- 401(k) hardship withdrawals
- Trust Wallet: 4.3 out of 5 stars
- Ford Foundation
- 2. Count your coins and bills
- United
- How should investors use the Buffett indicator?
- Can you pay estimated taxes at any time?
- Benefits
- 4. Set a budget for your stock market investment
- 14. Music lessons
- 17. Self-employment expenses deduction
- 4. Earn badges through Live videos
- User experience
- 1099-INT
- 5. Enter a debt management plan
- Bonds
- How to have less taxes taken out of your paycheck
- 9. Consider bridal consignment
- 9. Choose a real estate agent carefully
- Use the Best Fare Finder and pay in cash
- 14. Customer service without the wait
- Georgia Small Business Development Centers
- Chase premium checking accounts
- Step 7: Write client proposals
- Methodology
- 1. Lower risk by building positions slowly
- Exceptional rewards on gas and EV charging
- 3 disadvantages of sole proprietorship
- 13. Antique or thrift store
- 4. Education accounts
- Pros of a 203(k) loan
- 5. Rebalance your investment portfolio as needed
- Pros
- Understand the different approval processes
- Be flexible with destination, airport and dates
- 5. Sell with TikTok Shop
- 15. Photography
- 9. Shared home improvement equipment
- Cheapest auto insurance for poor credit
- Use employee benefits
- Ride with Lyft
- 4. Decide where to buy your index funds
- 5. Choose investments that match your tolerance for risk
- 6. Sanitize your social feeds
- Swagbucks
- Hurricanes, tropical storms and tornadoes
- How much is Prime Video?
- 1Money
- 4. One more thing to know about your tax refund
- Amica vs. Geico home insurance
- Estimate loan payments
- How to avoid the interest rate scam
- How to earn Hyatt points
- Drawbacks
- 15. Farmers market vendor
- 18. Home office deduction
- Personal property
- Vanguard 500 Index Fund (VFIAX)
- Past years' state tax rates
- 7. Self-publish an e-book
- Reviews
- 9. Estate planning: Protect your financial well-being
- 5. Use a rewards card to pay for Airbnb
- YOTEL
- Nonresident status rules
- 10. Shop sample gowns
- You're able to use Affirm Pay in 4
- 5. Your loan is cleared to close
- Medicare enrollment periods
- Grow Georgia
- Allianz Global Assistance
- Lubbock Economic Development Alliance grants
- 3. Ongoing investment
- Additional taxes
- Coca‑Cola Foundation
- 3. Prep for grocery shopping
- 5. Choose how to price your services
- U.S. Bank
- Flowers at boarding
- 1. No liability protection
- 1. Choose to DIY or get some help
- 14. Fitness studio or gym
- Cons of a 203(k) loan
- Where is the best place to exchange currency?
- Travel rewards sign-up bonus
- What happens if I forget to pay my quarterly taxes?
- Home equity line of credit
- How does RVshare insurance work?
- How do you get a perfect credit score?
- Nonresident status rules
- Refinancing
- 1099-K
- Mutual funds
- 8. Bank of America® rewards
- Look for offers
- Eat with Hilton Dining Rewards
- Dividend payout ratio
- How to use a W-4 to owe nothing on a tax return
- 7. CDs
- 2. Use bullet points
- 10. Narrow down your ideal type of house and neighborhood
- Our pick for: Fair credit
- Keystone Advantage Assistance Loan Program
- Our pick for: An upgrade path
- Gap Good Rewards Mastercard® Credit Card
- VA loans
- Step 8: Set your pricing
- 2. Ignore 'hot tips'
- MetaMask: 4.0 out of 5 stars
- SAVE benefits available by October 2023
- Individual semiconductor stocks
- 16. Candle maker
- 19. Educator expenses deduction
- Vanguard Total Stock Market Index Fund (VTSAX)
- 16. Event space
- 11. Borrow accessories
- Golden crosses and death crosses
- How much is Sling TV?
- Book Emirates economy fares on points
- Georgia Hispanic Chamber of Commerce
- Bonzah
- How's your job security?
- Pretty darn good for dining, too
- Freshen up your merchandise
- How do I find a currency exchange near me?
- Cons
- American Airlines credit cards
- Delta Airlines credit cards
- JetBlue credit cards
- Southwest Airlines credit cards
- United Airlines credit cards
- Other airlines' credit cards
- Loss of use
- 5. Build a community
- 7. Poshmark
- Avis and Budget Rent-a-Car
- 11. Monetize your social media accounts
- You're booking essential travel but lack the funds to pay in full
- Wildfires
- Part-year resident status rules
- Conventional loans
- The Alamo Small Business Grant Program
- 4. Potential for conflict
- SAVE benefit starting in February 2024
- Country Financial: Best for using an agent
- Soft vs. hard credit inquiry
- 15. Tutoring business
- How can I make paying quarterly taxes easier?
- 17. Retail arbitrage
- 20. Solar tax credit
- 6. Monetize using the Series feature
- Vanguard Total Bond Market Index Fund (VBTLX)
- 17. Interior decorating
- 10. Vacation rentals
- An example of buying a call
- Extra features
- Auto-Owners
- Exchange-traded funds
- Ask about special discounts
- Book a rental car
- 5. Buy index funds
- Most-redeemed Category 7 hotels
- Property-based passive income ideas
- 3. Speak to your audience
- How to enroll in Medicare
- Access to Capital for Entrepreneurs
- Pros
- Rental Cover
- Home equity loans and lines of credit
- Home Depot Foundation Veteran Housing Grants Program
- Citi Double Cash® Card
- 6. Create a contract
- Economic events
- Inconsistent service
- 2. Harder to get financing and business credit
- 5. ABLE Accounts
- Where can you exchange currency for free?
- Cash-out refinance
- Compare whole life insurance quotes
- 5. Focus on investing for the long-term
- Personal liability
- 8. Get advertising revenue from your blog or YouTube channel
- 6. BookWithMatrix
- 1099-LTC
- 6. Book through an airline portal
- Target Circle™ Credit Card
- 7. Make a budget
- 12. Get paid to stream on Twitch
- 8. The Platinum Card® from American Express
- How much is Fubo TV?
- 3. Keep good records for the IRS
- SAVE benefits available by July 2024
- Take clear photos
- 16. Ice cream shop
- Premium travel rewards sign-up bonus
- Semiconductor stock ETFs
- Why we love RVshare
- 18. Graphic designer
- 21. Energy efficient home improvement tax credit
- Vanguard Balanced Index Fund (VBIAX)
- Our pick for: Customizable bonus categories
- 18. Woodworking or furniture building
- 3. Building a budget
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Metro Atlanta Chamber
- Cons
- Sure
- Step 9: Stay organized and deliver results
- 5. Lack of financial privacy
- Are you financially prepared?
- Electrum: 2.5 out of 5 stars
- 4. Minimize restaurant spending
- Earnings
- Check the insurer’s financial strength
- Compare car insurance rates for drivers with a DUI
- 11. Electronics repair
- An example of buying a put
- 1099-MISC
- Complete financial plan and investment advice
- 12. Ask about excess inventory
- 8. Buy a rental property
- Gifting large sums of money to family
- Earthquakes
- Nonresident status rules
- Best insurance company for having few customer complaints: American Family
- PHFA Grant
- No-credit-check loan example
- How to avoid the overcharge scam
- 17. Dry cleaner
- 19. Technology tutor
- 22. Electric vehicle tax credit
- Vanguard Growth Index Fund (VIGAX)
- 6. Keep an eye on your index funds
- Pay off debt
- 4. Play to your strengths
- Your location
- 11. Stick to your budget
- Don’t forget the fifth-freedom flights
- Startup Atlanta
- Our pick for: No security deposit, low annual fee
- Clif Family Foundation
- Write an honest description
- Personal loan
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- Medical payments
- 7. Collect tips from viewers
- 19. Graphic design
- California earned income tax credit (CalEITC)
- PE ratio below industry average
- 13. Borrow from other newlyweds
- Testing a resistance level
- Flooding
- America’s Seed Fund
- 3. It’s harder to sell your business
- The 10 largest lottery jackpots
- 18. Bookstore
- 6. Manage your stock portfolio
- 20. Blogger
- Vanguard Small Cap Index Fund (VSMAX)
- California earned income tax credit (CalEITC)
- Conventional loans
- 1099-NEC
- Specialized guidance and/or want to meet with an advisor face-to-face
- Cheapest car insurance for young drivers
- 7. Message the host
- Geico vs. Progressive
- 9. Rent out your own house
- Paying for vacations, cars or other stuff
- 5. Get a test reader
- Your credit
- SCORE
- 1. Access to capital
- 5. Get discounts on entertainment
- Citi Rewards+® Card
- Pros
- Baggage damage
- Research the insurer’s reputation for customer service
- Loss assessment
- How to compare life insurance quotes
- 9. Become an Instagram influencer
- 20. Clothing boutique
- Our pick for: Maximized value
- Chubb
- Avoid taking on more debt
- California young child tax credit (YCTC)
- 14. Scout out decorations at craft stores
- 8. Find your 'why'
- 9. Capital One Venture Rewards Credit Card
- 2. Know your own ESG criteria
- Price clothes to sell
- 19. Bed and breakfast
- Wildfires
- Pros
- 21. Podcaster
- Vanguard Total International Stock Index Fund (VTIAX)
- California young child tax credit (YCTC)
- 4. Saving money
- 1. Has the W-4 form changed?
- Giving a laid-back loan
- Bring the kids
- MyLowe’s Rewards Credit Card
- Accounting
- Amber Grants
- Cash advance apps
- Life insurance quotes vs. rates
- 21. Bed and breakfast
- 12. Academics courses
- FHA loans
- 1099-OID
- Portfolio management only
- Wait to apply
- California child and dependent care tax credit
- 15. Stick to in-season blooms
- 10. Get a roommate
- Your claims history
- Fidelity® Rewards Visa Signature® Card
- 12. Make the most of walk-throughs and open houses
- Set aside time for grant activities
- HOMEstead Downpayment and Closing Cost Assistance Loan
- 2. Efficient growth
- 6. Map out major purchases
- 20. Floral shop
- Cons
- 22. Social media influencer
- California child and dependent care tax credit
- State Farm vs. Allstate
- Rising EPS that beats analyst estimates
- Setting up joint bank accounts
- Branding
- Kubota Hometown Proud Grant Program
- Expensive Wi-Fi packages
- 3. Choose ESG investments
- Reasons to take pause before renting from RVshare
- Find your niche
- 22. Food truck
- 1099-PATR
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- Alternative investment passive income ideas
- Your coverage limits
- How much are car insurance quotes?
- Be selective in your applications
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- NASE Growth Grant
- NJM: Best small regional insurer
- How to avoid the skim scam
- 1. What does "sole proprietor" mean?
- 21. Gardening and landscaping
- Hail
- 23. Live-streaming gamer
- 10. Monetize your Twitch channel
- Our pick for: Bank of America® customers
- California adoption cost tax credit
- 16. Get the most out of your flowers
- Web design
- 3. Minimal employee supervision
- Ledger: 5.0 out of 5 stars
- Citi Custom Cash® Card
- Above-the-line deductions
- 13. Language courses
- 1099-Q
- Cheapest auto insurance for senior drivers
- California nonrefundable renters tax credit
- Comparing full coverage car insurance quotes
- NYC tax rate schedule
- 10. Hilton Honors American Express Aspire Card
- Best insurance company for financial strength: Auto-Owners
- Your deductible
- Confirm eligibility requirements
- 7. Restrict online shopping
- 2. Can a sole proprietor have employees?
- Flooding
- 24. Photographer or videographer
- 23. Restaurant or cafe
- California nonrefundable renters tax credit
- Geico vs. State Farm
- 11. Peer-to-peer lending
- 13. Don’t skip the home inspections
- Human resources
- Amazon Web Services (AWS) Imagine Grant
- Cons
- 22. Nail salon and spa
- Winner for premium seating classes: Etihad
- 1099-R
- Farmers
- Dividend payout ratio below 80%
- Other policies
- Be realistic about winning
- Programs for Persons With Disabilities
- Understand your eligibility
- 4. Increased brand awareness
- Buy now, pay later
- Pros
- 3. Does a sole proprietor need an EIN?
- 25. Web designer
- Below-the-line deductions
- 24. Craft brewery
- 3. When should I review my W-4?
- Green living
- Trezor: 4 out of 5 stars
- Citi Rewards+℠ Student Card
- 23. Photography
- Be authentic
- 1099-S
- Your home’s features
- Which factors determine car insurance quotes?
- 5. Reduced risk
- 8. Delay purchases with the 30-day rule
- American awards on Air Tahiti Nui
- 4. How do you change from sole proprietor to LLC?
- 26. Transcription
- Compare auto insurance rates for drivers with poor credit
- 11. Sell your photography
- Pros
- 14. Business or marketing courses
- 17. Price out multiple meal options
- 12. Private equity
- 14. Negotiate with the seller
- Our pick for: Average credit and rewards
- Organization
- Note application deadlines and awards dates
- 24. Clothing boutique
- 25. Ice cream shop
- Allstate vs. Geico
- 4. Can I adjust my W-4 multiple times throughout the year?
- Your dog
- Cons
- How renting from Cruise America works
- 1099-SA
- 18. Simplify your drink options
- TJX Rewards® Platinum Mastercard®
- SafePal: 3.8 out of 5 stars
- 9. Get creative with gifts
- 25. Daycare
- 27. Data entry
- Serve your audience and set small goals
- Our pick for: Paying rent
- 26. Personal chef
- Our pick for: Prime gaming
- Consider financing alternatives
- USAA: Best for military and veterans
- Citi Premier® Card
- Online loans
- Cons
- 15. Personal wellness
- Geico
- 15. Buy adequate home insurance
- 1. Loss of complete brand control
- 26. Brewery or winery
- 28. Create an app or online game
- 27. Landscape services
- Progressive vs. Allstate
- 13. Crypto staking
- Best insurance company for discounts: Amica
- Employer-Assisted Housing Initiative
- State Farm Good Neighbor Citizenship Company Grants
- Use multiple strategies
- Methodology
- 10. Lower your car costs
- Co-signed or joint loans
- 27. Hardware store
- 28. Pet grooming
- Our pick for: Average credit and no annual fee
- 2. Increased potential for legal disputes
- 12. Become a dog walker with Rover or Wag
- 5. Maximizing your credit cards
- 19. Go for a shorter cake
- Look up the insurer’s financial strength
- Citi Prestige® Card
- 28. Catering company
- How does Cruise America insurance work?
- 29. Florist
- 16. Courses in hobbies or interests
- Progressive vs. State Farm
- Google Ad Grants
- 11. Reduce your gas usage
- Secured loans
- 20. Dress up a store-bought cake
- 3. Initial investment
- If you’d rather be a free agent
- Alaska awards on Air Tahiti Nui
- 29. Real estate agency
- Product creation passive income ideas
- Why we love Cruise America
- 30. Massage therapist
- Liberty Mutual
- 21. Pick a nontraditional dessert
- Research the insurer’s reputation for customer service
- Family loans
- 30. Event venue and planner
- Winner for lowest fees: Tie
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- 1. Look at customer satisfaction scores
- Costco Anywhere Visa® Card by Citi
- 4. Federal and state regulation
- 12. Bundle cable and internet
- AT&T Points Plus Card
- Who are the top five insurance companies?
- 14. Write content
- Our pick for: Limited credit
- The Unless Project
- 31. Tattoo and piercing shop
- 2. Consider financial strength
- Erie: Most generous coverage
- Payment plans
- Reasons to take pause before renting from Cruise America
- 31. Nutritionist
- Which insurance company is best at paying claims?
- 13. Switch your cell phone plan
- 32. Veterinary office
- 6. Borrowing money
- 18. Consulting
- Our pick for: Target gaming purchases
- 22. Keep things intimate
- 3. Evaluate the policy options
- Best insurance company for customer satisfaction: State Farm
- Credit union loans
- Compare insurance rates for drivers with an accident
- 14. List your spare bedroom on Airbnb
- 32. Personal trainer or fitness instructor
- Is State Farm cheaper than Geico?
- 33. Food truck
- 23. Choose a charitable favor
- Capital Good Fund
- Is Geico a good insurance company?
- Nationwide
- 4. Get prices from a handful of companies
- Aldi Cares Community Grants
- 14. Reduce your electric bill
- 34. Health clinic
- 33. Beauty services
- 24. Limit photographer and videographer hours
- 15. Publish a digital course
- Our pick for: Good credit
- 35. Bakery
- 34. Life coach
- 19. IT support
- 15. Lower your student loan payments
- How renting from Outdoorsy works
- Car-related passive income ideas
- Verizon Visa® Card
- Zendesk Tech for Good Impact Awards
- Nationwide: Best online experience
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- 35. Tutor
- 20. Graphic design
- 16. Wrap your car with ads
- Meet a local demand
- Progressive
- Our pick for: Travel
- The Audacious Project
- 36. Daycare provider
- 17. Refinance your mortgage
- 17. Rent out a parking space
- How does Outdoorsy insurance work?
- Our pick for: Walmart gaming purchases
- Scout locations
- 16. Trade in old phones, electronics for cash
- 37. Senior care provider
- 21. Social media management
- Wells Fargo nonprofit grants
- 18. Set savings goals
- 38. Interpreter or translator
- Openly: Fewest consumer complaints
- Calculate the costs of starting a business
- Reasons to love Outdoorsy
- USAA
- Our pick for: Instant gratification
- 39. Housecleaning
- Chase Freedom Flex℠
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 19. Track spending
- Reasons to take pause before renting from Outdoorsy
- 1. Review your mission
- 40. Automotive repair
- 7. Your credit score
- 1. Gather your information
- 23. Virtual assistant services
- 2. Refine your search with keywords
- 20. Pay off high-interest debt
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- 42. Dry cleaners
- If you want both brand-specific perks and flexible points
- 3. Narrow down based on location
- State Farm: Best perks
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- 22. Create a 50/30/20 budget
- 1. Do your research
- Discover it® Cash Back
- 4. Look for organizations with similar values
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 2. Get organized and make it official
- 45. Freelance copywriting and content creation
- 5. Consider hiring a grant writer
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- 47. Website development and design
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- 8. Taxes
- 50. App development
- Trip cancellation
- Airport lounge access
- 25. Use car sharing services
- You live in a high-risk area
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- 9. Paying off debt
- Trip delay
- 26. Stock up on household supplies when they’re cheap
- You have a dog
- 4. Collect and compare car insurance quotes
- In-flight extras and checked bags
- 23. Find work as a housesitter
- Cancel For Any Reason
- 27. Enjoy community events
- You own valuable items
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Global Entry and TSA PreCheck
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Lost baggage
- Bonus points on spending
- Travel medical insurance
- 25. Put your drone to work
- Compare car insurance companies
- Trip insurance benefits
- Conditions common to your dog’s breed
- 10. Insurance
- Your dog’s energy and activities
- Car rental coverage
- Wellness expenses
- Decide whether your cat needs insurance
- Wellness expenses
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 3. Decide how much coverage you want
- 4. Understand reimbursements and deductibles
- 5. Check waiting periods
- 12. Starting or running a business
- 6. Examine extra costs
- 7. Compare quotes
- 13. Travel
- The NerdWallet Smart Money podcast
Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by the total of all your credit limits. (It's also figured on a per-card basis.) This number is a big factor in your credit score — the less available credit you use, the better it is for your score.
Here’s how to keep your utilization low.
Why is having a low credit utilization important?
Paying your balances on time and in full every month is the best way to keep your score intact or build it. On the other hand, using a larger portion of your credit limit could do damage. Credit utilization accounts for around 20% to 30% of your credit scores.
But if a financial crisis means you have to lean on credit cards, take heart: Credit scores can rebound quickly once you're able to lower your utilization.
How to lower your credit utilization
1. Keep your charges on each card to a minimum
The simplest way to avoid losing credit score points for using too much of your limits is to watch how much you charge to each card. Make a habit of patrolling your online accounts to keep tabs on spending. If you are close to using 30% of your credit limit on one card, try to make a payment or switch to using another card.
Simply getting into the habit of paying twice per month instead of once could help you decrease your credit usage. Lower balances can save you interest if you carry a balance — and are good for your credit score regardless.
You can also monitor your per-card and overall credit utilization by viewing your credit score profile from NerdWallet.
2. Ask for higher credit limits
If it’s tough for you to avoid utilizing more than 30% of your available credit, another solution might be to request a credit line increase on your card or cards. Getting a credit limit increase might require you to call your card issuer or make the request online. Sometimes increases are offered automatically if you’ve had your card for a while and have a positive payment history, so be on the lookout for those offers when you log in to your account.
Another option to get a higher overall credit limit is to ask a friend or relative to add you as an authorized user on an established account. The primary user doesn't even have to give you a card or tell you the account number for your credit score to benefit. Do choose carefully: Being on the account of someone who is having problems with credit could affect your score, too. You want to be on an account showing good payment history, preferably with a high credit limit and consistently low credit utilization.
A higher overall credit limit could help you keep your credit utilization lower than it would be otherwise. This could make a big difference in your credit score. You can check your own credit to see the effect (and it won't hurt your score).
3. Set up balance alerts to stay on top of spending
If you find yourself consistently overspending, setting up balance alerts can help keep your spending in check.
Sign up with your credit card issuer to receive alerts via text message or email. You can choose to be alerted when the balance reaches a certain amount or percentage of your credit limit. Your goal is to keep the balance below 30%.
4. Pay your bill before your issuer reports to the credit bureaus
Most credit card issuers report your balance and payment activity to the credit bureaus once every 30 days. However, this doesn’t necessarily coincide nicely with when your bill is due. If your issuer reports a few days before the end of your billing cycle, you’ll consistently look like you’re carrying a high balance — even if you pay it off in full just a few days later.
Place a call to your card issuer’s customer service line to find out when it reports to the credit bureaus. Simply pay off as much of your balance as you can in advance of that date every month, and you might see a jump in your score.
5. Monitor your total credit utilization
If you have multiple credit cards, it might be hard to view the bigger picture of your credit utilization. Using the calculator below, input your credit card balances and limits to check whether you're under the recommended 30% utilization threshold.
If you’re creeping up to that limit, do your best to pay down your balances and explore ways to stop spending money.