You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
5 Tips for Lowering Your Credit Utilization
Lead Writer | Credit scoring, budgeting, personal finance
Lead Writer | Personal finance, debt
Lead Assigning Editor | Personal finance, credit scoring, debt and money management
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Visit your My NerdWallet Settings page to see all the writers you're following.
- LOOKING TO SAVE ON INTEREST?
- How do we review robo-advisors?
- Still deciding on the right carrier? Compare Medicare Part D Plans
- Conventional mortgage
- VA loans
- FHA loans
- USDA loans
- How do we review brokers?
- Still deciding on the right carrier? Compare Medigap plans
- 5.0
- How do we review cryptocurrency platforms?
- Business insurance ratings methodology
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Shopping for Medigap plans? We have you covered.
- Capital One 360 CD rates
- How to maximize your rewards
- Compare Medicare Advantage plans
- Simplifying tax time with accounting software
- Student loan payment calculator
- Environmental
- Nearest airports
- 1. You may not be entitled to anything
- 1. American Airlines may not owe you anything
- Spend at least $300 a year on travel
- 1. Chime
- Baggage allowance on Qatar
- California speeding ticket fees
- 1. Requesting a tax transcript online
- 1. Find a payment processor that works with Apple Pay
- 1. 'Unclaimed refund' scam
- 1. Google Flights
- 1. Cash in flexible travel rewards points
- Earn miles on every flight
- How to use this calculator
- Safepal: Most currencies
- 1. Delay your application
- Social
- Majestic Hotel South Beach, Trademark Collection by Wyndham
- What is a timeshare?
- With ads
- 1. ThredUP
- 1. Look into investment accounts
- Amazon
- 1. Use Southwest’s Low Fare Calendar
- 1. Create an inventory
- Highlights
- Step 1: Assess your skills
- Insurer complaints methodology
- Securing a lower interest rate
- 1. Capital One Venture X Rewards Credit Card
- Bluevine Business Checking
- What mortgage terms are best for me?
- What does 'domicile' mean?
- 1. Fly within the U.S. for just 7,500 points each way
- Domestic travel with an adult
- During a sale
- How does my credit score impact personal loan offers?
- 1. Arrive in the right spot — and at the right time
- 1. Call local businesses
- NerdWallet’s analysis
- Pay more than minimums
- You could pay less in interest
- 1. Southwest Airlines
- What’s covered?
- 1. Influencer
- In this article:
- 1. Pull your credit
- 1. A generous sign-up bonus
- 1. Buy REITs (real estate investment trusts)
- 1. Select an online stockbroker
- Miles earned on Singapore Airlines flights
- What it is
- Marriott Fifth Night Free
- Highlights
- Refundable flights
- Step 1: Write a business plan
- P. D. Priebe Airplane Cabin Seating Arrangement
- 1. Ibotta
- Locating documents and a permanent address
- Our pick for: Consistent cash back
- 1. Pick up freelance work online
- 1. Business assistance
- Investment-based passive income ideas
- Grants.gov
- 2. Set up the appropriate Apple Pay payment infrastructure
- Common investment and brokerage fees
- 1. Baskin-Robbins
- 1. Figure out if you are eligible
- Understanding your results
- AtoB
- Governance
- Pros
- Ad-free
- Enter your information
- Average monthly expenses for one person:
- Save on United award flights to Europe
- Use IHG credit cards
- Can responsibly spend $4,000 on the card in the first three months
- 1. Business-to-consumer (B2C)
- Why it’s the best
- 2. DataBricks
- Eligibility
- Lower credit scores
- Management fees
- Our pick for: Simplicity
- You could receive a lower rate
- California car insurance rates after a speeding ticket
- Personal property coverage on a standard policy
- ETF pros
- When is the last day to file taxes?
- NVIDIA Corp (NVDA)
- What is a good FICO score?
- 2. Requesting a tax transcript by phone
- What are American Airlines Flagship Hawaii flights?
- Sole proprietorship
- Wells Fargo Active Cash® Card
- 1. Roll your debts onto a balance transfer credit card
- 1. Chase Ultimate Rewards®
- How do I see my credit score for free?
- If you cause the accident
- 1. Keep your charges on each card to a minimum
- Standard with ads: $6.99 per month
- Key takeaways
- How to calculate labor burden rate
- Earning Southwest Rapid Rewards points through Southwest travel partners
- Understand the budgeting process
- Pros
- Median down payment on a house (in dollars)
- Why buy used?
- 1. Food trucks
- Pre-installation evaluation: $250 for a 2,000 square foot home
- Eligibility
- Monthly membership
- Lower your interest rate
- No credit check
- Stock ETFs
- Passive vs. active management
- Major airlines that fly to Toronto
- Locking in a fixed interest rate
- Check in baggage chart
- Check your credit score and report
- 1. Gather your stock research materials
- Freeze your Equifax credit report online
- 1. Research the fundamentals of Apple stock
- Southwest flights to Hawaii
- What to know about cash advance apps
- Amtrak rides
- Monthly after-tax income
- Little or no experience with managing finances
- 183-day rule
- From a broker or a bank
- State and local government grants
- Front-end ratio
- 2. Employee retention credit scam
- Mortgage rates remain stubbornly high
- How medical debt affects credit scores
- Duty-free? Maybe not
- Axos Basic Business Checking
- Use your results to save money
- Debt snowball
- Fundamental analysis of stocks
- You may lower your monthly payment
- 2. United Airlines
- 1. IRS Direct Pay
- 2. Bonus earnings on travel, dining, select streaming services and online grocery purchases
- 1. Child tax credit
- Latino: $32.99 per month
- Franchising examples
- Medicare Part B IRMAA
- Days Inn by Wyndham Maui Oceanfront
- Cons
- Add new offerings
- Average cost of car insurance for different driver profiles
- Ultimate Ad-Free
- Average monthly expenses for a family of 2:
- Estimate your monthly water usage
- Earn miles and elite status when flying partner airlines
- Pros
- 1. Be Our Guest Restaurant
- Example savings APYs at select institutions
- Holiday Inn Express
- Food-centric rewards and perks
- Child tax credit 2023 (taxes filed in 2024)
- 2. U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Step 1: Enter your personal information
- 1. Dividend stocks
- Forming a union
- 1. The credit card's interest rates
- 3. Requesting a tax transcript by mail
- Partnership
- 3. Connect Apple Pay to your POS system
- Pay with miles from partner airlines
- NY state income tax: Single and married filing separately
- 1. Decide how you want to invest in the stock market
- 2. United can offer multiple types of compensation
- 1. Gather the needed documents
- If you're younger than 59½ and the account is less than 5 years old
- Why it’s the best
- 2. Work longer
- If any of these situations apply to you
- 2. Your credit card can reimburse you
- 2. Research the stocks you want to buy
- Cons
- 1. The child has to be part of your family
- More income is sheltered
- 2. Explore low-cost investments
- A bonus offer comes standard
- Where can you see your travel funds balance?
- Minimum down payments and credit scores
- Lower your monthly payments
- Sole proprietorship taxes for LLCs
- Fast funding
- How many PlusPoints are needed to upgrade United flights
- Cost of Clear membership for United and Delta members
- 2. Business-to-business (B2B)
- Universal life insurance cash value
- Air Canada
- 1. Create an incentive-based referral system
- Robo-advisor fees and account minimums
- High-capacity, high-comfort split-level seating
- Follow USDA food plans
- 50% of your income: needs
- Vulnerability to fraud and identity scams
- 2. Brand recognition
- Symbotic Inc. (SYM)
- Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs
- Back-end ratio
- Accident-free or 'good driver' discount
- Cheap auto insurance from large companies
- THE PAYOFF
- 1. IRS payment or installment plans
- Find a program
- No minimum balance requirement or monthly maintenance fees
- Phase 1: Deductible
- Standard: $15.49 per month
- Score bonus miles for joining as a new member
- LendingClub Tailored Business Checking
- Amica: Best for customer service
- Debt avalanche
- 1. Consider your vending machine options
- Our pick for: Rich travel rewards
- Trezor: Advanced security features
- 2. Review your finances
- Redesigned look
- Robo-advisors
- 2. Child and dependent care credit
- Pro: $79.99 per month
- Timeshare presentation offers
- Unlimited classes
- B/R Sports
- Average monthly expenses for a family of 3:
- Ductwork and design: $500 to $7,500
- Realtor vs. real estate agent
- What liability auto insurance doesn't cover
- EBay
- 2. Cinderella’s Royal Table
- 1. Food tech
- Monthly membership with commitment
- 1. Alaska Airlines West Coast Hopper
- Banks and apps that make it easier
- Nonrefundable flights
- Eat out a lot
- Big three prepaid plans
- 3. Discord
- Contact the car's seller and ask questions
- Reducing monthly loan payments
- Boarding
- Service offerings
- Alliant: Best for fast funding
- Effects of COVID-19
- Picking up your rental car
- Create a budget
- What is a good VantageScore?
- U.S. Bank Altitude® Go Visa Signature® Card
- 4. Train staff to help customers with Apple Pay
- After the high season
- Income taxes for single-member LLCs
- Southwest Rapid Rewards cards with car rental insurance
- NY state income tax: Married filing jointly or qualifying widow(er)
- 1. Inspect the check
- 2. Use a business broker
- 2. Redeem rewards for Airbnb gift cards or cash back
- If someone else causes the accident
- Opendoor locations
- 2. Auntie Anne’s
- 1. Make some adjustments to your current budget
- Valuable free features
- 2. Decide what type of investor you are
- Best places to start a business in New York
- Other student loan calculators
- 1. Chase Sapphire Reserve®
- Coast
- You might be able to pay your loan off earlier
- 2. Instagram manager or consultant
- 2. Use an online real estate investing platform
- Retirement benefits
- 1. Withdraw your CD funds and transfer them into a different account
- Optimize your existing market
- Get on an IRS payment plan
- 1. Market your business and attract new clients
- 2. Car wash services
- Break down your results
- Earn points from hotels stays
- Step 2: Find the store or location you want to buy or rent
- Commodity ETFs
- Hot wallet
- IHDAccess Forgivable
- Flying to Toronto with points and miles
- Child tax credit 2024 (taxes filed in 2025)
- U.S. Treasury bonds
- Freeze your Equifax credit report by phone
- 1. SBA microloan
- 1. How to activate bonus categories every quarter
- Grasshopper Business Checking
- EveryDollar
- Credit card spending
- Step 2: Account for multiple jobs
- Online brokerage account
- Consider all the costs of buying a second home
- 2. Fly lie-flat business class for as few as 16,500 Avios each way
- Domestic travel as an unaccompanied minor
- Upstart Holdings Inc. (UPST)
- What are the other American flights to Hawaii?
- Limited liability company (LLC)
- Small Business Development Centers
- 3. Fake W-2 scam
- Short-term capital gains tax
- 2. Check in
- How unpaid medical bills can harm your credit
- An above-average interest rate
- 2. Ask for higher credit limits
- 1. Suffern
- Chase Business Complete Banking
- Automate
- If you're younger than 59½ and the account is at least 5 years old
- Technical analysis of stocks
- Fare flexibility/ticket changes
- United Club Lounge
- How much underlying coverage is required?
- Haptic vibrations
- 3. American opportunity tax credit
- Elite: $89.99 per month
- 2. The child has to be under a certain age
- Day and guest passes
- Free and packaged HBO Max plans
- 2. Poshmark
- Average monthly expenses for a family of 4:
- Business structure
- Calculate how much you can afford using the 50/30/20 rule
- Receive reciprocal benefits on partner airlines
- 3. The Crystal Palace
- Winner: Alaska Airlines
- Lower your loan-to-value ratio
- Holiday Inn
- Zelle tax 2023
- Spend a lot on travel
- Why it’s the best
- Universal life insurance premiums
- Get pre-approved financing for new or used cars
- Potential workarounds: How to transfer your Apple Card balance
- 2. Broadcast advertising to your niche audience
- Investment accounts
- Seats
- Bad-credit auto lenders
- What is a prepaid debit card?
- 2. Rakuten
- You could get out of debt faster
- 3. Lower failure rate
- Build an emergency fund
- Changes and cancellations
- Will pre-qualifying affect my credit score?
- NY state income tax: Head of household
- Socially disadvantaged individuals
- Premium: $22.99 per month
- Step 1: Find a gold ETF
- You could possibly tap the equity in your car
- 3. American Airlines
- Transferring hotel points to Southwest Rapid Rewards
- 3. Earn more
- If you qualify for a hardship withdrawal
- MHC highlights and eligibility requirements
- The New Yorker, A Wyndham Hotel
- 2. Withdraw your funds and deposit them into a different CD
- Advantages of a lady bird deed
- Can attending timeshare presentations offer a good deal?
- Claim a niche market
- Ask for an offer in compromise
- ARE YOU EARNING ALL THE MILES YOU CAN?
- How to activate Chase Pay Over Time
- AEGIS standard plans
- 3. Consider diversifying your assets
- Difference between a real estate agent and a broker
- Bonanza
- 2. Web design
- Hilton Fifth Night Free
- HFA Preferred (Lo MI)
- Annual membership
- 1. Are you a fiduciary?
- Breadwinners
- Few mandatory fees
- 3. Consumer-to-consumer (C2C) or peer-to-peer (P2P)
- Investment goals
- Late fees and a higher interest rate
- Step 2: Create a business plan
- Avoiding a balloon payment
- Active portfolio management
- 30% of your income: wants
- Reach out to reintegration services
- It’s not what you can borrow, it’s what you can afford
- 2. Test websites and apps
- 1. Tax return transcript
- S corporation
- Minority Business Development Agency Centers
- Defensive driver discount
- Just before traveling
- 2. Apply for a credit card consolidation loan
- 2. U.S. Bank rewards
- 2. Kayak
- Terms
- Long-term capital gains tax
- 3. Delayed flights to or from the European Union may entitle you to cash
- Apply for certification
- Federal Student Aid office
- Friday is a busy travel day, period
- Easy online access
- Phase 2: Initial coverage
- Convenient integrations
- 2. Garden City
- Baggage and boarding
- EveryDollar
- 3. Calculate your monthly payments
- 3. 10% point bonus each year
- 4. Lifetime learning credit
- Premier: $99.99 per month
- Miles earned on SilkAir flights
- Referral program
- 1. Calculate the car payment you can afford
- Average monthly expenses for a family of 5 or more:
- Non-recourse factoring companies
- 1. Research the pay
- Business stage
- Book flights on partner airlines with miles
- Cons
- 4. Liberty Tree Tavern
- Binance’s quarterly burning program
- Debt-to-income ratios
- 2. American Airlines East Coast Hopper
- TurboTax
- 2. Skip EarlyBird (but still get a good spot in the boarding line)
- 2. Account for your family's needs
- Exchange-traded notes (ETNs)
- 4. Fanatics
- Get a vehicle history report
- Pros
- Robot vs. human advice
- Show that you can afford loan payments
- 3. Chase Sapphire Reserve®
- Corporate bonds
- Use the 50/30/20 rule to budget for groceries
- Freeze your Equifax credit report by mail
- 2. Consider whether you should buy Apple stock
- 2. Microlenders
- Chase 2023 bonus categories
- First Tech: Best for co-sign and joint loan options
- Effects of climate change
- See if refinancing can lower your monthly payment
- Compare insurance rates for 20-year-olds
- Managed brokerage account
- What if I didn't get an extension?
- Save for retirement
- 2. Dividend index funds and exchange-traded funds
- Bank of America® Customized Cash Rewards credit card
- Transfer points from Chase, American Express or Capital One
- Cheap car insurance from midsize companies
- What do I need to pre-qualify for a personal loan?
- 4. Donation and charity scams
- Income taxes for multi-member LLCs
- Crypto.com DeFi Wallet: 4.8 out of 5 stars
- 2. Print out child freeze request forms
- Opendoor FTC settlement
- 3. Papa John’s
- 1. Consider replacing pros
- Earn miles from non-flying activities
- Step 2: Analyze the ETF
- Bank of America Business Advantage Fundamentals
- 2. Chase Sapphire Preferred® Card
- WEX
- When can I start filing my taxes in 2024?
- Reduce the monthly payment
- 3. Affiliate marketing
- 1. Pick an off-peak date
- Customizable light displays
- Online financial planning services
- 3. Think about investing in rental properties
- Why it’s the best
- The five-year rule for Roth IRAs
- Other taxes
- Student loan interest rate calculator
- 3. Let your bank renew your CD
- Tip: Watch out for blackout dates, hidden charges and more
- 3. The child has to live with you
- Move into new markets
- File an appeal
- Pros
- 3. Auto repair
- Required payment is cut in half
- The type of central air unit: $600 to $24,000
- Intro APR offer
- 1. AXA Assistance USA (Silver plan: $70)
- VA and USDA loans: 0% down payment
- Avoid being upside down on your loan
- Stay-at-home parents or spouses
- Nonpayment is unlikely to lead to collections
- Step 3: Get funding
- Surrender the policy
- Universal life insurance death benefit
- Autolist
- 3. Take a new approach to direct mail
- Automated investing vs. hands-on investing
- Passive portfolio management
- Specific investments
- Airbus' stacked passenger patent
- Prepaid debit card vs. debit card vs. credit card
- 2. Narrow your focus
- Southwest flights to Mexico
- For recently issued passports
- Chase 2022 bonus categories
- Traditional IRA income limits for 2023 and 2024
- Roth IRA income limits for 2023 and 2024
- YNAB
- Average monthly car payment by credit score
- Step 3: Claim dependents, including children
- 4. Buying power
- Home equity loans pros and cons
- Top 5 Treasury ETFs by AUM
- 2. Tax account transcript
- C corporation
- Telematics discount
- 2. Ask yourself why you received the check
- Needs
- 2. Offer in compromise
- Getting the best HELOC rate
- 3. Take advantage of travel statement credits
- 2. Calculate your annual retirement spending
- 3. Mineola
- If you’re 59½ or older and the account is less than 5 years old
- Why it’s the best
- Seat selection
- How to calculate inventory burden rate
- Ledger: Most popular
- 5. Student loan interest deduction
- Index examples
- Potential for high returns
- Discounts
- How to thrift the smart way
- AEGIS specialty plans
- 2. Be aware of potential costs
- Personal finances
- 1. Get sponsored
- 5. The Diamond Horseshoe
- 3. Extended reality
- 1. Aeroplan® Credit Card
- 2. How do you get paid?
- Save on United award flights to Hawaii
- Revolving credit
- Regularly fly out of terminals with Priority Pass lounges
- United Airlines
- Upgraded economy tickets and seat selection
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- 3. Online lenders
- Chase 2021 bonus categories
- 20% of your income: savings and debt
- Commissions
- Blanket coverage
- Cheapest full coverage car insurance in Florida for 20-year-olds
- Pay off debt
- Joining a union
- 2. The credit card's fees
- Does basic economy get a carry-on on United?
- DTI ratio examples
- CFPB
- Understand your service reminder
- Book with points
- 2. Look into suburban venues
- Preparation and packing
- Processing fees
- 3. Choose how much you want to invest
- Country Financial: Best for using an agent
- 0% balance transfer credit card
- Pay off the loan faster
- You could pay more in interest
- 4. Delta Air Lines
- Can you buy your policies from different companies?
- Credit Karma
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- You often borrow other people’s cars
- 2. Skip the Saturday wedding
- 4. Compare lenders
- 4. A 25% boost when redeeming for travel via Chase
- 3. There is more than one type of compensation
- Licensing examples
- Disadvantages of a lady bird deed
- Single-entry accounting example
- Best insurance company overall: Travelers
- Bankruptcy
- Cons
- What it is
- Spacing out credit card applications
- See how APYs have moved at high-yield accounts versus regular accounts
- 3. Cathay Pacific to Hong Kong in business class
- Parents or grandparents with dependents
- TaxAct
- 3. Establish your directives
- 4. Business-to-government (B2G)
- Valuable travel reward redemptions
- 5. Reddit
- IHDAccess Deferred
- An account in collections
- For flights booked with cash
- 1. Make dollar-cost averaging your friend
- Chase 2020 bonus categories
- Step 4: Refine your withholdings
- Effects of reinsurance
- Your dollars could become more valuable
- Decide how you'll finance your second home
- Managing debt
- 3. Record of account transcript
- 1. Multiply your income by 10
- 5. Recalculated refund scam
- 2. Choose an investment account
- 3. Go through the security checkpoint
- Larger welcome offer
- 3. Mail the request and document copies
- Friday will be expensive
- Economically disadvantaged individuals
- 3. Set up balance alerts to stay on top of spending
- Phase 3: Donut hole (coverage gap)
- 4. Glens Falls
- If you're 59½ or older and the account is at least 5 years old
- Earning rates
- Do you file 2023 taxes in 2024?
- 2. Electronic funds withdrawal (EFW)
- 4. Product reviewer
- Start with a budget
- 4. Consider your spouse
- 6. Adoption credit
- Smart Solution
- Medicare Part D IRMAA in 2024
- 3. Decide how many shares to buy
- 4. The child can't provide more than half of their own financial support
- Seek referrals
- Free training
- 3. Budget for taxes
- Conventional mortgages: As low as 3% down payment
- 6. The Plaza Restaurant
- BNB use cases
- Research refi options now
- Installment credit
- Make a withdrawal
- Why it’s the best
- What does an FHA appraiser look at?
- Pros
- 1. Nine Hours Capsule Hotels in Japan
- Prepayment penalties
- How does FDIC insurance on prepaid cards work?
- Municipal bonds
- Southwest flights to Central America
- Axos Basic Business Checking
- Chase 2019 bonus categories
- PenFed: Best for a seamless application process
- Other ways to earn points
- You’ll have just one monthly payment
- 3. Learn to use AI tools
- ETF cons
- If you opt for Kyte’s self-pickup service, you can save
- 5. Profits
- 3. Flights to Hawaii from 26,000 points round-trip
- Directly from the U.S. government through the TreasuryDirect website
- Fast Break for Small Business
- Blue Cash Everyday® Card from American Express
- 4. Be smart about how you ask
- State ombudsman offices
- Partner awards from other airlines
- How to dispute a medical bill on your reports
- 4. Taco Bell
- 3. Trim the guest list
- 1. States with no income tax
- What is the difference between a wealth manager and a financial advisor?
- Equity vs. debt
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Personal loans
- Our pick for: Intro APR + high rewards on everyday spending
- Delta Sky Club
- Lengthen the repayment term
- You might have to pay fees
- How much coverage should you buy?
- 3. Try a nontraditional venue
- Interactive park experiences
- 5. A $50 hotel credit
- The percentage method
- If you've owned your account for less than five years ...
- Establishing domicile
- Wyndham Grand Clearwater Beach Resort
- Check for existing protection
- Miles earned on Scoot flights
- 2. Score sponsorships
- Managing multiple billing cycles
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Where Ledger shines
- Step 1: Decide on a direct deposit provider.
- 1. Make sure you’re eligible to get an EIN online
- Mortgage insurance
- Keystone Government Loan
- Improve your chance of loan approval
- Earn points with a welcome bonus
- Bond ETFs
- 5. Direct-to-consumer (D2C)
- Determine if the car is selling for a fair price
- Investment options
- Bitcoin pros
- Chase 2018 bonus categories
- 3. Swagbucks
- Gather important documents
- Step 5: Sign and date your W-4
- 1. Shop the supermarket with intentionality
- International travel with an adult
- Building your credit score
- 4. Wage and income transcript
- Pros
- Check size requirements
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- How long will it take to pre-qualify?
- 6. IRS account sign-up scam
- Choosing corporate tax status for your LLC
- 3. Don’t use the money
- Wants
- Zengo Wallet: 4.8 out of 5 stars
- THE PAYOFF
- Reasons for unfreezing your credit
- More robust rewards
- Home supply is still limited
- How much is Netflix a month?
- 5. Harrison
- Step 3: Buy the gold ETF
- Other fuel cards to consider
- When do you need to file taxes in 2024?
- Common stocks vs. preferred stocks
- Goodbudget
- Allow up to 50% of your income for needs
- 7. Earned income tax credit
- If you are converting your 401(k) to an IRA
- 4. The DOT dashboard outlines your rights
- Learn more about Zelle
- 5. The child can’t file a joint tax return with someone
- Explore online sales channels
- 3. The RealReal
- 4. Personal trainers
- Forgiveness comes sooner
- 4. Max out your retirement accounts
- 4. Watch for scams
- FHA loans: As low as 3.5% down payment
- 7. Tony’s Town Square Restaurant
- 4. Robotics
- IHG Fourth Night Free
- Silver membership
- 1. Making money
- Before 2008
- Adult children
- Service credit
- Will use the other perks
- But wait, there’s more
- Cons
- 1. Examine your revenue
- 4. Optimize your website and use CTAs
- Loan fees
- Book travel via the AmEx portal or Expedia
- Reduce the amount you need to borrow
- The Chaise Longue Economy Seat
- 4. The Hilton Honors American Express Business Card
- Do tipped workers earn the minimum wage?
- 3. Decide how much to invest in Apple stock
- 4. Personal business loans
- 2. How to get the most out of your points
- For passports issued more than a year ago
- Chase 2017 bonus categories
- LendingTree Spring
- What factors affect the amount you can borrow
- Scheduled personal property coverage
- 6. Lower risk
- How much could refinancing save you?
- What’s your tolerance for risk to personal assets?
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Personal loan calculator
- Arrive early to enjoy the lounge
- 4. Seek an off-peak season
- Zoho Invoice
- 4. Select a provider to open your Roth IRA
- Tap into equity
- You could wind up upside down
- 5. Photographer
- You rent cars frequently
- 5. Pre-qualify with a soft credit pull
- 6. Combine points from multiple cards
- Traditional human financial advisors
- Pros of debt consolidation
- Track your spending
- Why it’s the best
- Lower risk
- Hilton
- Double-entry accounting example
- Pros
- 2. Calculate the car loan amount you can afford
- Size of the AC system
- Timing credit applications with big future purchases
- What buyers and sellers should ask real estate agents
- What qualifies:
- What can Southwest travel funds be used for?
- Oneworld partner airlines
- Stock mutual funds = higher potential returns (or losses)
- Stay at a Hilton hotel
- Find a car loan
- 4. Japan Airlines to Japan in business class
- Example interest checking APYs at select institutions
- 3. What are my all-in costs?
- Health insurance deduction
- Can create a habit of reborrowing
- 4. Review your beneficiaries
- Borrow from the policy
- Where to get auto insurance quotes
- Autotrader
- PACE and Medicare Advantage
- Avoid economy if you think you may want to upgrade later
- Southwest flights to the Caribbean
- Chase 2016 bonus categories
- Find a permanent residence
- Average car insurance costs after a speeding ticket in California
- The benefits of compound interest
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Working toward financial goals
- 3. Bonds and bond index funds
- 5. Verification of non-filing letter
- Cons
- Cheap car insurance after a speeding ticket
- 7. Casualty loss scams
- 5. You may be able to switch airlines
- Discounted rates
- Brokerage fee
- 4. Wait for confirmation, then store it securely
- 1. Cash dividends
- Our pick for: No credit check at all
- Selling your home to Opendoor
- 4. Pay your bill before your issuer reports to the credit bureaus
- 6. White Plains
- Capital gains vs. fixed income
- Emergency savings: Always a work in progress
- What is the standard deduction?
- 8. Charitable donation deduction
- And when you retire ...
- Consider do-it-yourself monitoring and recovery
- Management
- 6. The child has to have a certain residency or citizenship status
- Partner with other businesses
- Places with the highest median down payments (in dollars)
- Simpler
- 2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)
- Step 2: Initiate the direct deposit setup process.
- Jumbo loans: As low as 5%-10% down payment (varies)
- 8. Jungle Navigation Co. LTD Skipper Canteen
- 5. Customer experience management, or CXM
- Step 4: Register your business
- International ETFs
- 6. Consumer-to-business (C2B)
- 6. Stripe
- 2. First Cabin Capsule Hotels in Japan
- Avianca
- Your financial situation
- Transfer points to travel partners
- Bitcoin cons
- Credit score for FHA loans
- 5. Friends and family
- Chase 2015 bonus categories
- Navy Federal: Best for military members
- Our pick for: Online purchases
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- You could build your credit
- Equity REITs
- Easy to find support
- 4. Fly business class to Europe for just 34,000 points one-way
- EARNING SINGAPORE KRISFLYER MILES WITH CREDIT CARDS
- IFundWomen Universal Grant Application Database
- Chase Freedom Flex℠
- 3. Use the DIME formula
- 3. Expedia
- Dun & Bradstreet business credit scores
- Tips for unfreezing your credit
- 3. Check small-business-for-sale websites
- Make sure your business is eligible
- 5. KFC
- How much is YouTube TV?
- 5. Move the special day
- Phase 4: Catastrophic coverage
- Unlock perks for linking accounts
- 2. States with flat income tax rates
- Why it’s the best
- 1. Find a dividend-paying stock
- Cheapest full coverage car insurance in Texas for 20-year-olds
- 4. Negotiate unexpected costs
- Find ways to save
- 5. Investigate divorced spouse benefits
- Cost (and quality) of living
- 1. Fill out a mortgage application
- Premiums
- Cons
- Installation and labor: $75 to $250 per hour
- What doesn't qualify:
- Service requirements
- 2. Gather the necessary information
- Online lenders
- 2. Chase Sapphire Reserve®
- 4. What are your qualifications?
- Business mileage
- Earn milestone bonuses
- 3. Get free Wi-Fi (365 times)
- Cover your premium
- IHDAccess Repayable
- Hilton Honors
- For flights booked with Southwest Rapid Rewards points
- 5. Rethink deals and discounts
- Account minimums
- American Express Offers
- Chase 2014 bonus categories
- Try a checking account that’s made for fresh starts
- Broker fees
- Term life insurance rates for nonsmokers
- 2. Skill up on the skillet
- Qualify for a second-home mortgage
- Saving for and buying a home
- Negotiating as a union
- Home equity lines of credit pros and cons
- Alumni or membership discounts
- Compare bag types
- Humana Medicare Part D
- 8. Identity theft scam
- Savings and debt repayment
- Prepare and complete
- American Express
- 3. "Currently-not-collectible" status
- Consider 'fifth freedom' routes
- 2. Stock dividends
- FreshBooks
- 7. Ithaca
- Erie: Best in the Mid-Atlantic and Midwest
- 4. Marriott Bonvoy Boundless® Credit Card
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- What happens if you don't file your taxes?
- Get rid of FHA mortgage insurance
- 6. Apply with a hard credit pull
- 7. Transfer points to airline and hotel partners
- 4. Consider flipping investment properties
- Average rates from the biggest auto insurers after an at-fault crash
- 9. Medical expenses deduction
- Mortgage Revenue Bond 7 (MRB7)
- 4. Buy stocks using the right order type for you
- Acquire a new business
- Places with the lowest median down payments (in dollars)
- How to activate My Chase Loan
- 1. Get a brokerage account
- 5. Watch for burnout symptoms
- Mixing personal and business finances
- Can I use Southwest travel fund for someone else?
- SkyTeam partner airlines
- Take surveys on Hilton's Guest Opinion Rewards
- Gold membership
- 5. Emirates U.S. East Coast to Southeast Asia in business class
- Small-business owners
- Get money back in the form of future flight credits
- TurboTax
- Maximum advance amount may not be available at first
- Why it’s the best
- Meet in a public place
- A lawsuit
- An FHA appraisal isn't an inspection
- PACE and Medicare Part D
- 2. Subtract fixed costs
- Leave the snacks at home
- 2. Diversify your holdings
- Have a co-signer lined up
- 4. Open a brokerage account if you don't have one
- 6. Self-funding
- Expensify
- Redeem points for train rides
- How can I qualify to borrow more?
- Mortgage REITs
- Scalability
- 7. Built-in customer base
- 3. Tap your home equity for a loan or line of credit
- Be patient
- How do I access a HELOC?
- More bonus points for loyalty
- Health care FSA
- What types of homes does Opendoor purchase?
- 3. States with progressive tax structures
- Trading vs. investing
- Price
- You frequently use a car-sharing service
- 5. Use the venue's resources
- Leave 30% of your income for wants
- The aggregate method
- 5. Delayed EU flights can compensate you
- Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort
- Friend and family loans
- Liability
- Plan G
- 4. Grailed
- 5. Newborn and post-pregnancy services
- Find preapproved auto loans
- Reasons to choose recourse factoring
- Poshmark
- Where Ledger falls short
- Credit score for VA refinance
- SBA loans
- Regulatory concerns with Binance
- 6. Influencer marketing
- Keystone Home Loan Program
- Should you invest in retail stocks in 2023?
- How we picked the airlines to evaluate
- Home office deduction
- If you don’t have credit but are looking to build it
- 5. Note your state's estate tax laws
- Using United PlusPoints on partner airlines
- Bitcoin or crypto ETFs
- Carry a balance or incur late fees
- 5. Marriott Bonvoy Brilliant® American Express® Card
- LendingClub Tailored Business Checking
- 4. Fiverr
- Term life insurance rates for smokers
- International travel as an unaccompanied minor
- How to use American Airlines AAdvantage miles
- Amber Grant for Women
- Military and federal employees discount
- 9. Ghost tax preparer scams
- Luxury programs
- Splurge for a suite
- 3. Dividend reinvestment programs (DRIPs)
- Gather documents
- How much is Hulu?
- 8. Rockville Centre
- Retirement savings: Room for improvement
- What does 'itemize' mean?
- Switch from an adjustable- to a fixed-rate loan
- 3. The Electronic Federal Tax Payment System (EFTPS)
- Can you transfer Southwest points to airline partners?
- Cons of debt consolidation
- 10. Deduction for state and local taxes
- Limitations
- Franchising
- Copays, coinsurance and deductibles
- Unpaid interest is cancelled
- 5. Optimize for tax implications
- 2. Research
- Your credit utilization
- Not budgeting for taxes
- Bond mutual funds = lower returns (but lower risk)
- Donate Hilton points
- 5. How will our relationship work?
- Mastercard World Elite benefits
- Credit cards that earn IHG points
- Step 5: Get licenses, permits, and insurance
- Costs
- Better cash back redemption value
- Do a visual inspection
- Chubb
- How much can refinancing save?
- Pack only one bag to carry on
- Types of accounts managed
- Henshaw layered lie-flat seat
- 3. Turn to qualitative stock research
- 7. Venture capital
- 3. How to win with the "Chase Trifecta"
- 4. Take surveys for money
- 3. Don’t quit restaurants cold turkey
- 8. Be your own boss
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- High PE ratio
- 4. Real estate investment trusts (REITs)
- Chase Freedom Unlimited®
- 4. Barclays rewards
- 4. Replace your income, plus add a cushion
- Reduce your tip
- 4. Alert authorities to fraud
- Guarda: 4.6 out of 5 stars
- Equifax business credit scores
- How much does a HELOC cost?
- Home prices keep climbing
- 6. McDonald’s
- 5. Monitor your total credit utilization
- QuickBooks Online
- 2. Evaluate the stock
- Individual stocks vs. funds
- You drive a company car
- 8. Worldwide acceptance
- 6. Add your minor child
- Evaluate the risk
- Marriott
- Best insurance company for affordability: NJM
- 1. The person can’t be anyone else’s qualifying child
- Seasonal Energy Efficiency Ratio (SEER) Rating
- When 2% cash back isn’t quite 2%
- Reasons to choose non-recourse factoring
- Ruby Lane
- Step 3: Collect information from your employees.
- 3. Submit your application and wait
- Mortgage rates
- Citi Prestige® Card
- Self-employment tax
- 2008 and beyond
- People who want to cover their final expenses
- Transfer flexible credit card points to IHG
- TaxAct
- High fees for fast funding
- If you have credit but want to strengthen your score
- 3. Book and Bed Capsule Hotels in Tokyo
- 6. Learn search engine optimization
- Use points to upgrade your seat
- Pros of buying bonds
- How to avoid Spirit Airlines change fees
- Hybrid REITs
- When are taxes due in October?
- Chase Ultimate Rewards® points
- Which is better when?
- How do you want the IRS to tax your business profits?
- Cheap auto insurance after an accident
- 6. Check your credit card for trip delay insurance
- Bank of America
- Stock trading fee
- Recourse if you need a refund
- 4. Special dividends
- Dependent care FSA
- How to buy a home with Opendoor
- 9. Mount Kisco
- Your money management style
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- 7. Make on-time payments to build credit
- Use designated accounts for spending and savings
- 11. Mortgage interest deduction
- Why it’s the best
- Key terms in this story
- Market orders
- Setup
- Plan N
- 3. Tap TikTok’s ‘Creativity Program Beta’
- Oneworld alliance elite status
- 2. Review your Loan Estimates
- 3. Set a target purchase price
- Never paying yourself or being inconsistent about it
- 1. Have your original ticket confirmation number handy
- Star Alliance partner airlines
- 2. Promote your business
- Small-business grants
- 7. Content automation
- Platinum membership
- How we chose the winner
- Basic economy tickets are typically ineligible
- 6. Weigh the value of professional help
- Don’t spend at least $300 a year on travel
- But wait, there’s more
- Airbnb (ABNB)
- Test drive the car
- CarFax
- World of Hyatt
- Retail space
- 5. Place your Apple stock order
- How to maximize your rewards
- Rocket Money
- Other ways to redeem your points
- What is the Global Entry interview like?
- You may not qualify for a low rate
- 1. Individual stocks
- Price
- Jewelry warranties
- Maintaining financial health
- Pay bills on time
- National Association for the Self-Employed Growth Grant
- 4. Capital One Travel
- Layer 2 scaling
- THE PAYOFF
- 4. Look for other advertisements (or put out your own)
- Create your System Award Management (SAM) account
- 3. Estimate your total savings needs
- 5. Gather your paperwork
- No (immediate) incentive to do so
- Inverse performance
- 2. Find the right location for your vending machine
- Why it’s the best
- Our pick for: Everyday spending
- 6. Photoshoot stylist
- You need an SR-22 or FR-44 form
- Alaska
- Control
- 1. Have a goal for your index funds
- 2. The person has to be related to you or live with you
- Research your competition
- 6. Enrichment activities for children
- 3. Compare ETFs
- Your payment history
- 3. IMG (iTravelInsured Lite plan: $77)
- Debt-to-income requirements
- Money market mutual funds = lowest returns, lowest risk
- Spend on a Hilton credit card
- 6. What's your investment philosophy?
- 4. Fly on holidays for free drinks
- Optional tips add up
- Sector ETFs
- Subscriptions
- PACE and Medigap
- 3. Subtract variable expenses
- Saving for a rainy day (or a fun one)
- Putting it all together
- Join the Qatar Airways Student Club
- Cover your card charges
- Debt-to-income ratio
- 8. Angel investors
- Closed-loop cruises
- Whole life insurance rates for nonsmokers
- Compare car insurance rates for 35-year-olds
- Additional standard deduction 2023 (taxes due 2024)
- Make Money
- Read user reviews
- 4. Penalty abatement
- 5. Preferred dividends
- FSA balances will expire
- Our pick for: Beginner-friendly features
- How much is Disney+?
- 10. Watertown
- 5. Southwest Rapid Rewards® Plus Credit Card
- Debt management plan
- Escape Lounge
- 3. Decide how much stock you want to buy
- 1. Understand the difference between active and passive funds
- Bonus features
- Commit 20% of your income to savings and debt paydown
- Make a plan to pay off debt
- 12. Gambling loss deduction
- 6. You’re owed if you get bumped
- Housing Assistance for Teachers (HAT)
- Schedule 1: Additional income and adjustments to income
- 6. Invest for more than retirement
- Etsy
- 2. Browse and select your flights
- Co-signers or co-owners of debt
- Tickets booked with an online travel agency might be tricky
- Have problems justifying the costs beyond the travel credit
- Annual grocery spend is less than $6,000
- Albertsons (ACI)
- 4. The O Pod Hotel in Tel Aviv, Israel
- The Hartford
- Special equipment
- 3. Invest in sectors that perform well in recessions
- 6. The Platinum Card® from American Express
- Cons of buying bonds
- Chase Offers
- How to maximize your rewards
- Publicly-traded REITs
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- 2. Mutual funds
- Saving and investing for retirement
- Keep credit utilization below 30%
- You can use credit card benefits to travel in basic economy
- Bizee’s Fresh Start Business Grant
- Aetna Medicare Part D
- What do I need for my loan application?
- 3. Learn the difference between investing in stocks and funds
- Exodus: 4.5 out of 5 stars
- Chase
- Experian business credit scores
- Wait for a decision
- 7. Dunkin’
- USAA: Best for military and veterans
- Allstate
- 6. Go paperless
- 9. Coverage if your trip is canceled or delayed
- 5. Rent out a room
- 7. Suspend your benefit
- IHG
- 5. Vestiaire Collective
- 1. Examine your cooling needs
- Your credit age
- What Ledger is best for
- Merchant cash advances
- 8. Artificial intelligence
- 3. Southwest® Rapid Rewards® Performance Business Credit Card
- Keystone Flex with K-FIT
- 7. Plan to reassess
- 1. Check out CDs at online banks or credit unions.
- Universal life vs. whole life insurance rates for men
- Custodial wallet
- Have the car inspected by a mechanic
- 7. Create and publish top-notch content
- Shop with points via the American Express site
- 9. Small-business grants
- After you're approved for Global Entry
- Whole life insurance rates for smokers
- For small organizations: Aplos Accounting
- Additional standard deduction 2024 (taxes due 2025)
- Work with a real estate agent to find your ideal second home
- How formal do you want your management structure to be?
- Citi Custom Cash® Card
- Alternative energy discount
- 5. American Express Membership Rewards
- Pay the fee or get a fee waiver
- 5. Stay in touch with your network
- 6. Dividend funds
- Methodology
- It takes time to enroll and manage accounts
- 2023 tax rates by state
- Bankruptcy
- Purchasing a Plumeria Lounge day pass
- Fare flexibility/ticket changes
- Account linking
- 7. Videographer
- You want to maintain continuous coverage
- 13. IRA contributions deduction
- Florida
- 2. Research index funds
- Ramada by Wyndham Udaipur Resort and Spa
- Discounts
- Low-down-payment mortgages
- 4. Make the trade
- Cell phone insurance
- 3. Apply your travel funds
- Other VA refinance requirements
- Loan limits
- How we assigned star ratings
- Sole proprietorship taxation: Income and self-employed taxes
- 1. Log out
- Buy IHG points
- 1. Decide on an account type
- Leveraged ETFs
- White-labeling
- Lower annual fee
- Arm Holdings (ADR)
- Step 3: Set up your business
- Retail supplies
- 4. The Chase 5/24 rule
- Novo Business Checking
- 5. Upwork
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- 5. Make money from your blog with affiliate links
- Jewelry service plans
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- 5. Money market funds
- Keep credit accounts open
- How to use British Airways Avios for a flight to Hawaii
- Eureka
- 4. Borrow from your 401(k)
- 1. Think long term versus short term
- WANT TSA PRECHECK FOR FREE?
- No annual fee
- Competition remains steady
- How much is Max?
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 7. Print your own
- 10. Baggage delay insurance
- 1. Review your W-4
- Type of business
- Schedule 2: Additional taxes
- 7. Mobile apps and entertainment for children
- 2. Time it right
- Step 4: Enter the employee information into your system.
- Example CD APYs at select institutions
- 7. What asset allocation will you use?
- 2. Managing money
- 5. Watch for sales (They happen frequently)
- Repayment may lead to an overdraft
- 2. Consider longer CD terms or a CD ladder.
- Universal life vs. whole life insurance rates for women
- 1. Book recently-added properties
- Other types of savings accounts
- Use points toward online purchases elsewhere
- 10. Crowdfunding
- Land or sea border crossings
- Money Manager
- There may be additional fees
- Public non-traded REITs
- 4. Shop online with purpose
- Government bonds
- 1. Restricting regulations
- American Express Membership Rewards points
- Anti-theft devices discount
- Hyatt
- 6. Pick your investments
- Focusing your earnings may lead to more perks
- Debt settlement
- Reading candlestick charts
- Baggage and boarding
- General partners
- 2. Decide where you want to have an impact
- 8. E-commerce seller on Instagram
- Develop good credit habits
- 14. 401(k) contributions deduction
- Payday alternative loans
- 3. The person’s gross income is below the limit
- 7. Chat with an advisor
- Filing status
- Swappa, Gazelle
- Ledger at a glance
- Transfer Hilton points from AmEx
- 9. Podcasting
- How we verified our data
- Schedule C
- Cancel for Any Reason insurance can help
- 2. Choose the right broker
- Asana (ASAN)
- CarGurus
- 5. Petra Capsule Hostel Near Petra, Jordan
- 4. Set aside a contingency fund for unexpected costs
- American Express travel insurance disclosures
- biBERK
- 8. Invest in social media
- Packing and shipping supplies
- 4. Focus on the long-term
- Passenger blowback
- Down payments and gift funds
- BankAmeriDeals
- Showers
- 3. Index funds
- Kyte’s young-renter fee
- Space out credit applications
- Resident status rules
- Venmo Small Business Grant
- Capital One SavorOne Cash Rewards Credit Card
- Cheapest car insurance after a DUI
- 1. Avoid filing your tax return on paper
- 2. Look into tax-loss harvesting
- Coinbase Wallet: 4.4 out of 5 stars
- 5. Hiring a tax relief company
- Mutual fund transaction fee
- 8. Pizza Hut
- Taxes
- 6. United℠ Explorer Card
- Fleet expense management tools
- Security
- 11. Rental car coverage
- 8. Use a do-over
- Nevada
- Limit orders
- Average annual car insurance costs from large companies
- 4. Use gifting
- 3. Loan processing takes over
- 3. Look for equipment rebates and tax credits
- 2. Start searching on a special website
- Take advantage of promotions with travel partners
- Cheap pet insurance in California for dogs
- ANA Mileage Club
- Watch the calendar
- Redeem for gift cards
- 4. Put your stock research into context
- 11. Business credit cards
- Member: 0 to 4,999 TQPs
- What happens if you are declined?
- Low PE ratio
- Perks await when you fly economy with elite status
- 1. Automate transfers
- New car discount
- InboxDollars Surveys
- 6. Capital One Rewards
- Submit every year
- How much is Apple TV+?
- Resources and incentives for New York business owners
- Shopping for better savings rates
- 4. Debit card
- Legal regulations
- Mortgage Credit Certificate
- Schedule 3: Additional credits and payments
- 4. You have to provide more than half the person’s total financial support for the year
- Down payment assistance programs
- 8. Shared accessories and attire
- Earned income
- 4. John Hancock (Silver plan: $93 for a mid-tier plan)
- Property standards
- Streaming perks
- Beyond Meat, Inc. (BYND)
- 2. Travel off-peak
- Marriott Bonvoy
- Materials
- 7. The Business Platinum Card® from American Express
- How to maximize your rewards
- Missed payments could make things worse
- For large organizations: Blackbaud Financial Edge NXT
- Monitor your credit reports
- 2. Get direct deposit
- Marriott
- THE PAYOFF
- More attainable bonus rewards
- Dividend per share (DPS)
- The insurer of last resort: Citizens Property Insurance Corporation
- Our pick for: Fixed monthly payments
- 4. Invest for growth
- Seat selection
- 9. Digital product salesperson
- You typically borrow a car from someone in your household
- 12. Travel assistance
- 15. Saver’s credit
- 2. Make sure your bonus is actually taxable
- New Hampshire
- 3. Pick your index funds
- Days Inn by Wyndham Ao Nang Beach Krabi
- Upgrade your booking class
- Full details about Ledger's ratings
- 4. Get confirmation
- 3. Sell your castoffs
- 10. Streaming service
- Keystone Flex-Purchase & Improvement with K-FIT
- On-demand printing or manufacturing
- Cheap pet insurance in California for cats
- 5. Determine your profit
- Set cash aside
- Donate to charity
- AndroMoney
- Select: 5,000 to 9,999 TQPs
- No-exam life insurance rates for nonsmokers
- Private REITs
- How to have more taxes taken out of your paycheck
- 6. Sell your wares on Etsy
- 5. Stop solving problems with new products
- Kyte insurance
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Singapore Airlines Book the Cook
- How to use Alaska miles for an American flight to Hawaii
- How much administrative complexity can you handle?
- Safety equipment discount
- Cigna Medicare Part D
- Solar panel incentives by state
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- File taxes online with tax software
- Rapid Rewards Shopping
- 3. Consider your existing investments
- Customer support
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Invest in your financial future
- Stocks
- Best insurance company for accident forgiveness: Geico
- 4. The underwriter makes a decision based on your documentation
- Transfer partners
- Expenses
- Purchase Hilton points
- 4. United Club℠ Infinite Card
- 3. Open the account
- 3. Consider step-up or bump-up CDs.
- Birkenstock (BIRK)
- 6. Pod Hotels in New York City
- Hiscox
- 9. Begin a business newsletter
- How quickly could the IRS implement the child tax credit expansion?
- Added weight means higher costs
- Special bonus rewards and statement credits
- Our pick for: Cell phone and internet bill payments
- Our pick for: Utilities, commuting and more
- Appendix: How the math works in our examples
- 6. High-yield savings accounts
- The Amplifier Grant
- Blue Cash Preferred® Card from American Express
- Google Opinion Rewards
- 3. Stay on top of things
- 5. Kiwi
- Longer 0% intro APR period on purchases
- Gather all the information you need to move forward
- Dividend yield
- 9. Denny’s
- Our pick for: Flat-rate travel rewards
- Amica
- 10. Foodie
- You regularly borrow the same car from someone you don’t live with
- 8. Check out department stores
- Credit unions
- 13. Purchase protections
- 16. Health savings account contributions deduction
- 3. Use tax deductions
- Home equity loan
- Step 5: Create a direct deposit and payroll schedule.
- Example money market account APYs at select institutions
- 8. What investment benchmarks do you use?
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Waitlist your PlusPoints request
- Resident status rules
- 3. Book early
- FHA appraisal
- NBKC Business Checking
- How to maximize your rewards
- 6. OfferUp
- No-exam life insurance rates for smokers
- 2. Initial cost
- Part-year resident status rules
- 2. Count your coins and bills
- 7. Citi ThankYou Points
- Resident status rules
- Trust Wallet: 4.3 out of 5 stars
- United
- Prepared to put down roots?
- How much is Peacock?
- Increased risk of data leaks
- 7. Delta SkyMiles® Gold American Express Card
- Earning rates
- Priority Pass discount: Kafe Kalik
- South Dakota
- 401(k) hardship withdrawals
- Can you pay estimated taxes at any time?
- 11. 3D printing
- Schedule SE
- Dropshipping
- Bumble (BMBL)
- Paying with a private-party auto loan
- Cars.com
- 6. Finalize your business budget
- Turkish Airlines Miles&Smiles
- Consider using a retirement account
- USAA vs. State Farm home insurance
- Select Plus: 10,000 to 19,999 TQPs
- How to have less taxes taken out of your paycheck
- What are your long-term goals for the business?
- 5. Enter a debt management plan
- Utility-based clean energy incentives
- 4. Set a budget for your stock market investment
- 4. Call in a pro
- Expense ratios
- 4. Find your gate
- Selling to Opendoor
- American Family
- The risks and rewards of each
- Benefits
- User experience
- 11. Personal stylist
- You drive rarely or not at all
- 9. Consider bridal consignment
- 14. Customer service without the wait
- 17. Self-employment expenses deduction
- 4. Contribute to a tax-advantaged account
- Bonds
- TRYP by Wyndham Mexico City World Trade Center Area
- 4. Earn badges through Live videos
- Term life insurance
- 4. Fund the account
- 4. Contact the host and ask for a discount
- 10. Create downloadable assets
- 1Money
- It doesn’t address root issues with debt
- 6. Sanitize your social feeds
- FedEx Small Business Grant Contest
- Capital One Savor Cash Rewards Credit Card*
- Swagbucks
- Cheapest auto insurance for poor credit
- 4. One more thing to know about your tax refund
- Pros of a higher credit limit:
- How much is Prime Video?
- Rapid Rewards Dining
- 4. Understand your ESG fund’s impact
- Tennessee
- Franchising pros
- 4. Decide where to buy your index funds
- 5. Sell with TikTok Shop
- 9. Shared home improvement equipment
- Ride with Lyft
- 3. Search again
- Cava (CAVA)
- Paying with a personal loan
- Spa
- 7. Self-publish an e-book
- Corporate bonds
- 3. Ongoing investment
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 3. Prep for grocery shopping
- U.S. Bank
- 10. Ben & Jerry’s
- 5. Keep your expenses in check
- Past years' state tax rates
- Vanguard 500 Index Fund (VFIAX)
- 3. Find your vending machine
- Upgradeability
- Drawbacks
- Where is the best place to exchange currency?
- Reviews
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- 12. Professional organizer
- 10. Shop sample gowns
- Online lenders
- 18. Home office deduction
- 1. Choose to DIY or get some help
- What happens if I forget to pay my quarterly taxes?
- Dollar-cost averaging
- State Farm vs. Geico renters insurance
- Head of household filing status
- 5. Your loan is cleared to close
- Home equity line of credit
- 5. Nationwide (Essential plan: $76)
- Step 6: Run payroll.
- 12. E-commerce
- 9. Who is your custodian?
- Additional taxes
- Permanent life insurance
- Wholesaling and warehousing
- Allstate vs. State Farm home insurance
- Head impact regulations
- How to maximize your rewards
- Select Executive: 20,000+ TQPs
- How to use a W-4 to owe nothing on a tax return
- 4. Exchange-traded funds
- 7. CDs
- How do you get a perfect credit score?
- Nonresident status rules
- Tory Burch Foundation Fellows Program
- 8. Bank of America® rewards
- Cons of a higher credit limit:
- MetaMask: 4.0 out of 5 stars
- THE PAYOFF
- Evaluate the price of the business
- Dividend payout ratio
- Our pick for: An upgrade path
- Listing with Opendoor
- Hire and work with a tax preparer or another tax pro
- Mutual funds
- Texas
- How much is auto insurance after an at-fault accident?
- SAVE benefits available by October 2023
- Eat with Hilton Dining Rewards
- Refinancing
- Keystone Advantage Assistance Loan Program
- 5. Help your kid decide what to invest in
- Chewy (CHWY)
- Paying by cash or check
- Why Chase Ultimate Rewards® can be the best option
- Good student discount
- 5. Wait at the gate
- How's your job security?
- How much is Sling TV?
- Vanguard Total Stock Market Index Fund (VTSAX)
- How do I find a currency exchange near me?
- 11. Borrow accessories
- 19. Educator expenses deduction
- 5. Defer your bonus
- Child tax credit
- Freshen up your merchandise
- 4. Browse the calendar
- Part-year resident status rules
- 5. Redeem travel statement credits for Vrbo rentals
- Allstate vs. Geico home insurance
- 11. Hold unique events or seminars
- Amex EveryDay® Credit Card
- Mortgage insurance
- USAA vs. Allstate home insurance
- Quiet room
- 7. Poshmark
- BriteCo
- 4. Potential for conflict
- Part-year resident status rules
- 5. Credit card
- 13. Baking or cooking expert
- Save
- Franchising cons
- Dolce by Wyndham CampoReal Lisboa
- How can I make paying quarterly taxes easier?
- SAVE benefit starting in February 2024
- Wells Fargo's reputation
- 5. Build a community
- 5. United℠ Explorer Card
- 10. What tax hit do I face if I invest with you?
- Coinbase (COIN)
- Edmunds
- Kyte vs. Turo and Getaround
- Property-based passive income ideas
- Homeowner discount
- Pros
- 11. Edible Arrangements
- Vanguard Total Bond Market Index Fund (VBTLX)
- Auto-Owners
- Where can you exchange currency for free?
- 20. Solar tax credit
- Exchange-traded funds
- Washington
- 5. Buy index funds
- Home equity loans and lines of credit
- Child and dependent care tax credit
- 6. Monetize using the Series feature
- AM Best Financial Strength Rating: A (Excellent)
- 10. Vacation rentals
- Cash-out refinance
- Benefits of direct deposit for employees
- Book a rental car
- 13. Portable charging devices
- 2. Are you seeking investment or looking for business financing?
- Lufthansa Miles & More
- 8. Get advertising revenue from your blog or YouTube channel
- 7. Make a budget
- 6. BookWithMatrix
- 5. Focus on investing for the long-term
- How much is Fubo TV?
- Auto Club Group
- 8. The Platinum Card® from American Express
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 14. DIY and craft expert
- State Farm vs. Lemonade renters insurance
- Best insurance company for having few customer complaints: American Family
- Take clear photos
- SAVE benefits available by July 2024
- Compass (COMP)
- 6. Sign up for One Key Rewards
- Service
- 5. Lack of financial privacy
- Using American Express Membership Rewards points
- 4. Minimize restaurant spending
- Discover it® Cash Back
- Student away-at-school discount
- Electrum: 2.5 out of 5 stars
- Sales load
- Cons
- Are you financially prepared?
- Vanguard Balanced Index Fund (VBIAX)
- Our pick for: Customizable bonus categories
- Payday lenders
- 21. Energy efficient home improvement tax credit
- Earned income credit
- J.D. Power Ranking
- 6. Seven Corners (Basic plan: $75)
- 3. Building a budget
- 5. Find the cheapest date
- Nonresident status rules
- Allstate vs. Farmers home insurance
- USAA vs. Geico home insurance
- Compare car insurance rates for drivers with a DUI
- Cheapest full coverage car insurance in Florida for 30-year-olds
- 8. Buy a rental property
- Nonresident status rules
- Close the deal
- 15. Slime or ASMR maker
- 12. Ask about excess inventory
- Invest
- Wyoming
- Licensing pros
- 11. Electronics repair
- 1. Decide what type of investor you are.
- PHFA Grant
- Hurricanes
- Pay off debt
- Our pick for: No security deposit, low annual fee
- 12. Cinnabon
- Vanguard Growth Index Fund (VIGAX)
- 4. Explore your financing options
- 22. Electric vehicle tax credit
- 6. Keep an eye on your index funds
- 5. Optimize your stock portfolio
- Adoption credit
- Write an honest description
- Personal loan
- 14. Publishing e-books
- CrowdStrike Holdings (CRWD)
- 12. Add a live chat feature to your website
- American Express® Green Card
- GemShield
- Using Citi ThankYou Points
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- Put money in a 401(k)
- Gifting large sums of money to family
- 16. Travel ambassador
- 13. Borrow from other newlyweds
- High-interest installment lenders
- 7. Collect tips from viewers
- 3. What's your point of difference in the market?
- TAP Air Portugal Miles&Go
- 1. Access to capital
- 9. Rent out your own house
- California earned income tax credit (CalEITC)
- 5. Get discounts on entertainment
- Discover it® Chrome
- Cheapest car insurance for young drivers
- 6. Manage your stock portfolio
- Vanguard Small Cap Index Fund (VSMAX)
- Licensing cons
- Where are Wyndham hotels?
- 6. United Quest℠ Card
- Conventional loans
- Used Car Search Pro by iSeeCars
- Home purchase: Basic Home Mortgage 203(b)
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- 8. Find your 'why'
- Avoid taking on more debt
- 9. Capital One Venture Rewards Credit Card
- Chubb
- 14. Scout out decorations at craft stores
- Pay off debt
- 2. Know your own ESG criteria
- 6. Know when to sell stocks — and when not to
- State Farm vs. Allstate renters insurance
- Price clothes to sell
- Benefits of direct deposit for small business owners
- 15. Fitness tech
- DoorDash (DASH)
- Our pick for: Your choice of expenses
- 1. Has the W-4 form changed?
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- California young child tax credit (YCTC)
- 13. Dairy Queen
- Auto-Owners
- Vanguard Total International Stock Index Fund (VTIAX)
- Paying for vacations, cars or other stuff
- Cheapest full coverage car insurance in Texas for 30-year-olds
- 17. Makeup artist
- How to earn Wyndham Rewards points
- Cash advance apps
- Average car insurance costs after a speeding ticket
- 4. Saving money
- 6. Look up the same trip on your preferred partner's website
- ETFs vs. mutual funds
- FHA refinance loans
- 2. Efficient growth
- 10. Get a roommate
- 6. Map out major purchases
- Wait to apply
- Loyalty discount
- Put money in an IRA
- If you owe taxes
- 6. Mobile via IRS2Go
- 15. Stick to in-season blooms
- 12. Academics courses
- 7. Travelex Insurance Services (Basic plan: $71)
- FHA loans
- HOMEstead Downpayment and Closing Cost Assistance Loan
- Fiverr International Ltd. (FVRR)
- 7. Check cash-back shopping portals
- Hail
- California child and dependent care tax credit
- Ink Business Unlimited® Credit Card
- Management or advisory fees
- 6. Board the airplane
- Laid-back loans
- 18. Cosplay designer
- 3. Choose ESG investments
- Other details you should know about Ledger
- 16. Online teaching
- American Express® Gold Card
- 2. What does it mean to be exempt from taxes?
- Jewelers Mutual
- Alternative investment passive income ideas
- Multiple cars discount
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Repeat
- Best insurance company for financial strength: Auto-Owners
- Find your niche
- 2. Choose how much you want to invest.
- How much are car insurance quotes?
- Instacart (CART)
- 10. Monetize your Twitch channel
- 3. Minimal employee supervision
- California adoption cost tax credit
- Ledger: 5.0 out of 5 stars
- 14. Cold Stone Creamery
- Our pick for: Bank of America® customers
- Joint bank accounts
- If you’re getting a tax refund
- 19. Hair stylist
- 16. Get the most out of your flowers
- 17. Mobile application development
- Narrow results to nonstop options
- ETFs vs. stocks
- NYC tax rate schedule
- FHA renovation loans
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- S&P 500 PE ratio
- 7. Restrict online shopping
- Ink Business Cash® Credit Card
- Multiple policy (bundling) discount
- Cheapest auto insurance for senior drivers
- NYC tax rate schedule
- Hurricanes and tropical storms
- 10. Hilton Honors American Express Aspire Card
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- Above-the-line deductions
- How to redeem Wyndham Rewards points
- 13. Language courses
- Lyft (LYFT)
- TrueCar
- Step 4: Look for funding options
- Tornadoes
- 11. Peer-to-peer lending
- California nonrefundable renters tax credit
- Average car insurance costs after a DUI
- 3. Gather your paperwork.
- Is Ledger right for you?
- Other specialty FHA loans
- 4. Increased brand awareness
- Farmers
- 5. Stock your vending machine with inventory
- 20. Artist
- Buy now, pay later
- 18. Search engine optimization consultant
- Programs for Persons With Disabilities
- Nextracker (NXT)
- 3. When should I review my W-4?
- Trezor: 4 out of 5 stars
- 7. Retrieve your luggage
- Open a 529 account
- Below-the-line deductions
- The Platinum Card® from American Express
- Wildfires
- Lavalier
- 5. Reduced risk
- Shiller PE ratio
- 8. Delay purchases with the 30-day rule
- Dividends and preferred stock
- 21. Graphic designer
- Be authentic
- How we review crypto wallets
- 19. Social media consultant
- Avoid mixed cabin awards
- Which factors determine car insurance quotes?
- Palantir (PLTR)
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Pros
- 12. Private equity
- 401(k) fees
- Our pick for: Average credit and rewards
- 7. Same-day wire transfer
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 17. Price out multiple meal options
- 14. Business or marketing courses
- 4. Pick your investments.
- 4. Can I adjust my W-4 multiple times throughout the year?
- Automatic payments discount
- 22. Entertainer
- 9. Get creative with gifts
- SafePal: 3.8 out of 5 stars
- Selling bonds
- 6. Make the right investments
- Fund your flexible spending account (FSA)
- 18. Simplify your drink options
- 20. Drone videography
- Peet’s Coffee and Tea (JDEP)
- Our pick for: Prime gaming
- 8. Exit the airport and enjoy your trip
- Our pick for: Paying rent
- Best insurance company for discounts: Amica
- Serve your audience and set small goals
- 1. Loss of complete brand control
- Cons
- Early shopper discount
- Sinkholes
- The Hanover
- Geico
- 23. Dropshipper
- 15. Personal wellness
- 21. Cybersecurity or IT consulting
- Peloton (PTON)
- American Express® Business Gold Card
- Our pick for: Earning more automatically
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 13. Crypto staking
- Use dependent care flexible spending accounts (DCFSAs)
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Employer-Assisted Housing Initiative
- How to maximize your rewards
- 10. Lower your car costs
- Paid-in-full discount
- Methodology
- Use multiple strategies
- Petco (WOOF)
- Apple Cash: digital card
- 2. Increased potential for legal disputes
- Our pick for: Average credit and no annual fee
- 24. Data analyst and infographic designer
- 22. Venture capitalist
- Step 5: Invest in product and tools
- 12. Become a dog walker with Rover or Wag
- Paperless discount
- Maximize health savings accounts (HSAs)
- 19. Go for a shorter cake
- 5. Maximizing your credit cards
- Robinhood (HOOD)
- 11. Reduce your gas usage
- 8. Check, money order or cashier’s check
- 25. Online educator
- 16. Courses in hobbies or interests
- 3. Initial investment
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- 20. Dress up a store-bought cake
- Average annual car insurance costs for drivers with good vs. poor credit
- 1. Open a brokerage account
- Rocket Companies, Inc. (RKT)
- Benefits of FHA loans
- Cash App debit card
- Product creation passive income ideas
- Nationwide
- 26. Pet personality
- 23. Startup incubator
- The Business Platinum Card® from American Express
- Liberty Mutual
- 21. Pick a nontraditional dessert
- Slack (WORK)
- Disadvantages of FHA loans
- 13. Sell unused gift cards
- 4. Federal and state regulation
- 12. Bundle cable and internet
- 27. Coach
- 17. Bookkeeping and accounting
- Individual stocks
- 14. Write content
- Our pick for: Limited credit
- 24. Antivirus developer
- 2. Find the ETFs you want to invest in
- Snowflake (SNOW)
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- Best insurance company for customer satisfaction: State Farm
- Roth IRA withdrawal rules
- 13. Switch your cell phone plan
- 28. Calligrapher
- 25. Domain name broker
- Uber (UBER)
- Our pick for: Target gaming purchases
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Pros
- 22. Keep things intimate
- 18. Consulting
- Roth IRA withdrawal penalty
- 6. Borrowing money
- 3. Buy the ETF
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- Ask about discounts
- State Farm
- Vroom (VRM)
- Dividend stocks
- Cons
- 9. Cash
- 29. Meme maker
- 23. Choose a charitable favor
- 4. Hold onto the ETF
- 14. Reduce your electric bill
- Consider overall premium cost, not just discounts
- Nationwide
- Our pick for: Wholesale shoppers
- 15. Publish a digital course
- Our pick for: Good credit
- 30. Topic expert
- 24. Limit photographer and videographer hours
- How much is auto insurance for young drivers?
- Warner Music Group (WMG)
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Shop around
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 15. Lower your student loan payments
- 19. IT support
- Zoom (ZM)
- Car-related passive income ideas
- Best insurance company for military members: USAA
- Step 6: Hire staff
- Travelers
- ZoomInfo (ZI)
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- Keep it honest
- What is a prepaid debit card?
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 16. Wrap your car with ads
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 20. Graphic design
- Step 7: Set your pricing
- Our pick for: Travel
- Progressive
- Offer giveaways
- 17. Refinance your mortgage
- What is a prepaid credit card?
- 17. Rent out a parking space
- 10. IRS payment plan or installment agreement
- Average annual car insurance costs for young drivers by company
- Our pick for: Walmart gaming purchases
- Where can you get a prepaid card?
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 18. Set savings goals
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- Provide inspiration
- 21. Social media management
- How to compare renters insurance
- How do you add money to a prepaid card?
- Share your expertise
- Our pick for: Instant gratification
- USAA
- Which prepaid card is best?
- Make posts shoppable
- Step 8: Create an online presence
- Our pick for: Paying rent
- 17. Get a babysitting gig
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 19. Track spending
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 22. Marketing copywriter
- Create opportunities for interaction
- 7. Your credit score
- 1. Gather your information
- 20. Pay off high-interest debt
- 23. Virtual assistant services
- Be personable
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- 21. Keep savings in a high-yield savings account
- Our pick for: Personalized rewards
- You have a roommate
- Give advice
- Step 9: Serve up delicious foods
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- Let your customer speak
- You’re on a tight budget
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 1. Do your research
- 19. Sign up for TaskRabbit
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 2. Get organized and make it official
- You would want new items if your belongings were destroyed
- 23. Shop consignment and thrift stores
- 20. Become a private tutor
- You own expensive jewelry or electronics
- 3. Find the right financing
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- Cheapest full coverage car insurance in Texas for 50-year-olds
- Should you get minimum or full coverage car insurance?
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 24. Join initiatives to get free items
- You have a dog
- 21. Drive for Uber, Lyft
- 8. Taxes
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 25. Use car sharing services
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- 27. Enjoy community events
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cheapest full coverage car insurance in Texas for 60-year-olds
- 10. Insurance
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 12. Starting or running a business
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- 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.