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- 3. Open a brokerage account
- 7. Fund your new account
- Exclusive amenities that vary by cruise line
- Mortgage term?
- Elite status
- Want to compare the best of the best?
- 3. Choose how much you want to invest
- 20% of your income: savings and debt
- 2. Document your charitable contributions
- 3. Kimpton Vividora Hotel Barcelona, Spain
- UFB Direct: Best savings account
- Disadvantages of a lady bird deed
- Exodus
- Mid-cap companies: $2 billion to $10 billion
- Drivers
- 5. Walmart
- Unlimited music streaming
- Cons of investing in China stocks
- Contest
- Submit a paper FAFSA
- DTI ratio examples
- Intro APR and balance transfer period
- 0% balance transfer credit card
- Show proof of permanent disability
- Other factors
- 3. Active investing
- Where to get it
- 7. Fundraiser or grant writer
- 8. Cinnabon
- 5. Event planning
- Pros
- 4. A 25% boost when redeeming for travel via Chase
- All-in-one exchanges: Trade more than crypto
- Annuities
- When applying to multiple lenders, do it in a compact time frame
- Does basic economy get a carry-on on United?
- Chubb
- FSA contribution limits 2023 and 2024
- COBRA
- H&R Block
- MyLowe’s Rewards Credit Card
- For a service-based business
- Commissions
- 2. Ignoring overseas income
- 3. Stay invested with the "buy and hold" strategy
- Avoid strapless tops or tank tops
- Cheapest full coverage car insurance in Florida for 20-year-olds
- Look at the big picture
- An account in collections
- Personal loan vs. auto loan terms
- An example of buying a call option
- Municipal money market funds
- Credit Karma
- 2. Practice living on less
- 3. Silver funds
- Fidelity Investments
- 2. Decide how much help you want
- 4. Microstrategy Inc.
- Cash reserves
- 5. Don't be afraid to ask for help.
- Warranty
- 2. If you have a 401(k), get your match
- Best Western Plus Casino Royale-Center Strip
- Set expense limits and find ways to save
- The takeaway
- VA cash-out refinance
- High annual fees or poor customer service
- Only certain types of transfers are allowed
- 2. Trust in diversification
- When your credit score is high
- Joining a union
- 4. Sell lemonade in the summer or hot cocoa in the winter
- A credit score over 620
- Senior miners
- Pay off the loan faster
- Bankruptcy
- 1. Look at the company’s price-to-earnings ratio and market cap
- 3. Apply coupons
- Fly on the holidays (or as far from it as possible)
- Earning rates
- Number of employees
- 3. Evaluate other factors
- 2. As an early step toward passing down wealth
- Flood damage
- 4. Consider your spouse
- Conventional mortgages: As low as 3% down payment
- Step 4: Refine your withholdings
- 4. The child can't provide more than half of their own financial support
- 7. Curate subscription boxes
- 1. Multiply your income by 10
- Installment credit
- You could cut yourself off from credit in the future
- 2. Choose an investment account
- Wi-Fi
- U.S. to Israel or Northern Africa for 53,000 miles in business class
- 3. Budget for taxes
- Pay attention to account minimums
- Deductions
- 3. Take notes and pictures
- Axos Basic Business Checking
- Municipal bonds
- 5. Change your ID cards
- 3. Hyatt Place at Anaheim Resort/Convention Center
- Athens Downtown Development Authority grants
- Travel
- Do you file 2023 taxes in 2024?
- Workers’ compensation insurance
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- 3. Set up balance alerts to stay on top of spending
- Book with Avios
- Summary of earned wage access apps
- 4. Cash out your 401(k)
- Seek referrals
- Formal two weeks’ notice template
- How does FDIC insurance on prepaid cards work?
- Know what kind of market you're in
- 3. Decide where to buy mutual funds
- How do Delta eCredits work?
- 3. What problem can I solve?
- Free fitness training
- 1. Online advice services
- Availability
- 6. Adoption credit
- Consolidate your loans if necessary
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Decide how you'll finance your second home
- 6. The Plaza Restaurant
- Applying for an IRS payment plan online
- 5. Recalculated refund scam
- 7. You’ve reached a dead end
- Nonresident status rules
- Economic Development Administration
- 4. Contribution limits are high
- When is hurricane season in Puerto Rico?
- Down payment?
- Best insurance company overall: Travelers
- 3. Learn to use AI tools
- 4. How long do people typically stay in this role?
- Discover
- Mortgage insurance
- Vio Bank: Best money market account
- 6. Home Depot
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Whole Foods deals
- 2. Electronic funds withdrawal (EFW)
- Free product with purchase
- 4. Consider taking an asset allocation shortcut
- Delta Sky Club
- Credit union personal loan
- ETF cons
- 2. Pool your points
- 1. Credit identity theft
- 1. States with no income tax
- Personal loans
- Log those volunteer hours
- PenFed: Best for a seamless application process
- Blue Cash Everyday® Card from American Express
- 8. Eco-friendly food supplier
- 9. Cold Stone Creamery
- 6. Video production
- Cons
- 5. A $50 hotel credit
- 3. Transition to this card for gas and more
- Equity vs. debt
- Type of business
- Decentralized exchanges: Competitive prices, but more complex
- Hire an advisor
- Services that charge renters
- Fast Break for Small Business
- Smaller annual fee
- What fees do Chase checking accounts have?
- 3. The cost of owning them
- 4. Do a background search
- Permanent life insurance: Other options
- Our pick for: Intro APR + high rewards on everyday spending
- 2. Incorporation fees: Under $300
- 5. Profits
- 2. You must have owned the home for at least two years
- 4. Virgin Atlantic
- Bitcoin pros
- Opt for modest jewelry
- Expect to see the effects of rising rates
- Is rental car coverage primary or secondary?
- Buying a put example
- AAA non-member rates
- 1. Book a Hyatt room on a club floor
- 4. Taco Bell
- Travel bonus reward rates
- 6. Translation
- Pros
- 5. Core Scientific Inc.
- Delta credit cards with free baggage
- Documentation
- 2. Take a cut with affiliate marketing
- You've graduated to a permanent card
- Earn by transferring
- SBA 7(a) loans
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Hit spending thresholds on existing cards for more rewards
- Step 3: Ride the organic marketing train
- Why you need IRS Form SS-4 to verify your EIN
- Credit limits
- Winner for elite status perks: Caesars Rewards
- Regions Business CD
- How to dispute a medical bill on your reports
- Lengthen the repayment term
- 4. Compare (and match) prices
- Other fuel cards to consider
- International travel with an adult
- Do tipped workers earn the minimum wage?
- 3. Swagbucks
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- 4. Personal trainers
- Medicare Advantage
- Intuit TurboTax
- Years in business
- Book travel via the AmEx portal or Expedia
- Allow up to 50% of your income for needs
- APR ranges for credit union lenders
- Small-cap companies: $250 million to $2 billion
- Choosing corporate tax status for your LLC
- If you are converting your 401(k) to an IRA
- FHA loans: As low as 3.5% down payment
- EITC 2024
- 1. Derivatives
- Step 5: Sign and date your W-4
- 5. The child can’t file a joint tax return with someone
- You submit an offer in compromise
- 1. Examine your revenue
- Winner for ease of miles: Qatar Privilege Club
- 3. Prioritize your financial goals
- 2. More time means more growth
- Taxes and port fees
- Service credit
- Gas bill
- 4. Your credit score needs to be strong
- Win a gig and get to work
- 4. Watch for scams
- Forever homes
- Cincinnati Insurance
- Home supply is still limited
- You're competing against other buyers
- Reasons for unfreezing your credit
- Learn more about Zelle
- Compare lease buyout options
- 6. Let your leasing company or lender know about your switch
- Atlanta Commercial Property Improvement Grant
- 3. Banking on cryptocurrency
- When do you need to file taxes in 2024?
- Commercial auto insurance
- 50% of SBA microloans went to Black- and Latino-owned businesses
- 5. Ask a recruiter for advice
- Step 4: Select a business entity.
- 1. All Nippon Airways
- Unlimited staff accounts
- 3. Review the investment choices
- Explore online sales channels
- Square
- Goodbudget
- 3. Anticipate changing expenses
- 3. Max out an IRA
- Step 3: Buy the gold ETF
- How long will it take to pre-qualify?
- Extra boost toward elite status
- There is a pro-rata rule for backdoor Roths
- Forgiveness comes sooner
- Crypto selection
- 3. Don’t use the money
- Experian
- Personal documents
- 7. Earned income tax credit
- Typical cost for a flagship family plan with unlimited data
- 5. $300 a year in travel credit
- 1. Making money
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- 4. Robotics
- 7. Tony’s Town Square Restaurant
- 4. Personal business loans
- 5. Teach others a skill
- Zengo Wallet: 4.8 out of 5 stars
- Deductibles
- 2. Verify its condition
- 6. IRS account sign-up scam
- Personal loans from credit unions
- Pros of bank stocks
- Clear
- Traditionally better rates, more discipline required
- More credit union topics
- 4. Select a provider to open your Roth IRA
- 3. The Platinum Card® from American Express
- 4. InterContinental Lyon – Hôtel Dieu, France
- Hardware
- Stock mutual funds = higher potential returns (or losses)
- Upgradeability
- Ages 35 to 44
- Cooler weather: September to November
- 7. Ikea
- Free games
- Spin the wheel of offers
- Traditional human financial advisors
- You prefer the benefits of ISAs
- Pros
- Take a pre-purchase test drive
- Prepare for a future tax bomb
- LendingTree Spring
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- What factors affect the amount you can borrow
- What buyers and sellers should ask real estate agents
- Crashes and car theft
- 4. Dollar-cost averaging
- 9. Eco restaurants
- 7. Podcasting
- Book with points
- Personal loan calculator
- 2. Get the required business insurance, licenses and EIN
- Watch out for account fees
- Term loans
- 6. Combine points from multiple cards
- Does Chase have a free checking account?
- HSA contributions
- TurboTax
- 6. Lower risk
- Size of the AC system
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- 5. Etihad Guest Miles
- Neu Credit Card
- Instant deposit
- 2. Calculate the car loan amount you can afford
- Premier Qualifying Points (PQP)
- How do I make sure coverage applies to my rental?
- AAA member rates
- Find a brokerage that operates in your area
- Backed-up drains and sewer lines
- Prime money market funds
- 4. Silver futures
- Cons:
- Michael Novogratz
- Appraisals
- Customized workout plan
- Avoid optional big expenses
- Divorce or separation from a spouse
- Next: Best for online quotes, claims
- Why it’s the best
- Use a discount real estate broker
- 3. Consider buying the dip
- Autotrader
- Possibility of more debt
- Example interest checking APYs at select institutions
- A strong history of paying bills on time
- The best full coverage car insurance companies
- Gold streaming companies
- Grant databases
- Tap into equity
- Are there any festivals that I should attend during my visit?
- 2. Target undervalued sectors
- Step 2: Input what type of credit cards you have
- 5. What do you know about the employer’s development programs?
- Cheap car insurance after a speeding ticket
- Delta premium economy luxury amenity kit
- 3. Bonds and bond index funds
- 1. Cash dividends
- Transfer points to travel partners
- Spa and salon professionals
- Jumbo loans: As low as 5%-10% down payment (varies)
- 6. The child has to have a certain residency or citizenship status
- Submit the form online, once glitch is fixed
- Cash management account
- 8. Create an airport-centric app
- Citi Custom Cash® Card
- 2. Child identity theft
- Credit score for FHA loans
- Overall economy
- The issuer could cancel your card or cut your credit limit
- 10. Del Taco
- 3. Upgrade your seats
- Who gets to avoid this fee:
- Capital gains vs. fixed income
- Number of locations
- 4. Contact your car rental company
- Farmers
- Health sharing plans
- 2023 credit card bonus categories
- Travel perks at no cost
- 5. Compare tax preparation fees
- Sign-up bonuses
- Other bonus categories
- Fare flexibility/ticket changes
- Sam's Club® Mastercard®
- Additional coverage add-ons
- 4. Pay your bill before your issuer reports to the credit bureaus
- Bitcoin cons
- Apply natural makeup
- 1. Locking up savings for a near-future purchase
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Budget more for necessary goods and services, temporarily
- Pros
- Partner with other businesses
- 7. Editing
- Our pick for: No credit check at all
- Price
- It takes some work
- 8. Charitable donation deduction
- Family plans on a budget
- When your credit score is low
- 6. TSA PreCheck/Global Entry/NEXUS credit
- 5. Customer experience management, or CXM
- Tactic 2: Use points or miles
- 5. Research first-time home buyer assistance programs
- 8. Jungle Navigation Co. LTD Skipper Canteen
- What if you don’t have an SS-4 notice?
- 5. Friends and family
- Common size income statement example
- Applying for an IRS payment plan by phone or mail
- 7. Casualty loss scams
- Wells Fargo Special Fixed Rate Business CD
- Step 2: Pick a business name
- FHA rate and term refinance
- 4. Consider how much to invest in Nvidia
- Average annual full coverage car insurance premium by company
- Anniversary bonuses and other benefits
- 3. Don’t miss out on tax deductions for volunteering
- Our pick for: Online purchases
- Claims history
- Dun & Bradstreet business credit scores
- 5. Investigate divorced spouse benefits
- Credit card
- Equity REITs
- Purchase a pass
- 3. Investing can trump saving over the long term
- Cons
- Arrange an inspection
- Gratuities
- Favorable tax treatment
- 3. Use the DIME formula
- 2. States with flat income tax rates
- Navy Federal: Best for military members
- Chase Freedom Flex℠
- 10. Organic nutritionist
- 1. Get certified
- 1. Find a dividend-paying stock
- Eat cheaper
- U.S. to Mexico for 14,500 miles in economy on Delta or Aeromexico
- 3. Set up your life coaching business
- IFundWomen Universal Grant Application Database
- FSA contributions
- Tips for unfreezing your credit
- Funeral insurance: Pays for your funeral only
- Your home’s location and characteristics
- Pros of general partnership
- 3. Office space: $100 to $1,000 per employee per month
- Installation and labor: $75 to $250 per hour
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- 6. Turkish Airlines Miles&Smiles
- 4. Compare investment fees
- What coverage is included?
- 2. Use Hyatt Milestone Rewards
- 5. KFC
- Toast
- Home equity line of credit
- Rain and flooding
- Seller concessions
- 3. Pick an investment account
- Any fare type within 24 hours of booking: $0
- 4. What is my lifestyle preference?
- Group training sessions and group classes
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Revisit your spending
- Sell your home yourself
- North America (domestic flights)
- Business documents
- The actual expense method
- 4. Your travel plans
- 4. Prepare to eat the cost of promotion
- 3. Make the purchase
- Loan term
- Cons of bank stocks
- How to contact Ethos
- Purchasing stocks
- Bridge loan pros and cons
- Hilton Honors
- High-yield account APYs compared to brick-and-mortar banks
- 5. Use shopping tools and apps
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Software
- 2. Stock dividends
- Term life insurance rates for nonsmokers
- 1. Gifting stock to kids through a custodial account
- 4. Marriott Bonvoy Boundless® Credit Card
- Prime Day and Prime Early Access
- Decide on a platform
- SBA transfers your account to the U.S. Treasury Department
- 2. Subtract fixed costs
- Home equity lines of credit pros and cons
- 3. Get a companion pass
- 4. Choose the best retirement plan for you
- 9. Become a destination wedding planner
- 3. Earn thousands of miles as a credit card welcome bonus
- Tax credits for people with kids
- Pros
- Inflation
- 5. Index investing
- 5. You could potentially earn $1,400 a year in statement credits — if you use them
- 11. Denny’s
- 8. IT consulting
- Skip the extra legroom
- How we picked the brands to evaluate
- 5. Watch for burnout symptoms
- 7. Transfer points to airline and hotel partners
- Add-ons
- Costs and fees to keep in mind
- Average rates from the biggest auto insurers after an at-fault crash
- Superior rewards-earnings
- Nationwide
- What is the Chase checking account minimum balance requirement?
- 2022 credit card bonus categories
- A decent base rate on all purchases
- Baggage and seat selection
- Target your impact
- Broker fees
- Grants.gov
- 4. Not reporting income from an all-cash business or illegal activities
- 4. Check out dividend-paying stocks
- What happens if you don't file your taxes?
- 4. Consider flipping investment properties
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Prepare and complete
- 6. Review commonly asked interview questions
- Zolve Credit Card
- Your choice of payment processor, plus discounts
- Choose a simple hairstyle
- Cons
- A lawsuit
- Acquire a new business
- Compare rates and payment structures
- 8. Writing a blog
- Marriott's Grand Chateau
- Other ways to earn
- 1. Find a dividend-paying stock
- Functionality
- Limited transfer partners
- 3. "Currently-not-collectible" status
- 9. Medical expenses deduction
- Enroll in an IDR plan
- 7. Extra points on Lyft rides
- Negotiating as a union
- Qualify for a second-home mortgage
- 6. Self-funding
- 8. Identity theft scam
- Equity REITs
- 1. Research
- Get rid of FHA mortgage insurance
- FHA streamline refinance
- 3. Do your research
- Call or book online with AmEx Travel
- Gift tax exclusion
- 1. Submit a franchise application
- 5. Six Senses Douro Valley, Portugal
- Other perks of Delta premium economy
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 5. Newborn and post-pregnancy services
- 4. Consider extra coverage
- Leave 30% of your income for wants
- 5. Use a Roth
- Mortgage REITs
- How do I access a HELOC?
- Should you invest in retail stocks in 2023?
- Shop for your own loan
- 3. Synthetic identity theft
- Expensify
- 3. States with progressive tax structures
- How can I qualify to borrow more?
- If you don’t have credit but are looking to build it
- Damage you do to others
- Is Wi-Fi offered, and if so, will it work for you?
- How it works
- 11. Wind power development
- 2. Leverage your personal experience
- 4. Supplement with another card, or cards
- LendingClub Tailored Business Checking
- You don't want to be at the mercy of an appraisal
- Other ways to access Club Millésime lounges
- How to earn rewards…
- Elite status
- TIPS funds
- Cons of general partnership
- 4. Hilton Garden Inn Anaheim Resort
- 7. Built-in customer base
- 2. Keeping some savings at a distance
- Be mindful of the cancellation policy
- Find preapproved auto loans
- 3. Call your lender
- Card details
- What isn't covered?
- Restaurant rewards
- Price
- 4. Prepare for when there just isn’t enough
- Basic economy fare after grace period: Starts at $99
- Call and ask for better terms
- 2. Free or cheap financial apps
- Poshmark
- Get points and miles from purchasing tax software
- Step 4: Invest in the tools of the trade
- 3. Tap your home equity for a loan or line of credit
- 6. Influencer marketing
- Privacy
- Private mortgage insurance
- Fly bags for free with elite status
- Average annual full coverage car insurance premium by age
- 6. Buy online, pick up in store
- Friend and family loans
- Health care FSA
- Andover Companies: Best coverage
- 4. Keep the deadline in mind
- International travel as an unaccompanied minor
- 4. Fiverr
- Bond mutual funds = lower returns (but lower risk)
- Ages 45 to 54
- 3. Dividend reinvestment programs (DRIPs)
- Term life insurance rates for smokers
- 2. Pick which options to buy or sell
- 10. Make local guides
- 4. The tax advantages are prime for kids
- Cabin upgrades
- Holding period
- 3. Travel in the offseason
- Cons
- Apply for aid
- Revocable life insurance trusts
- 12. Edible Arrangements
- 9. Catering
- Book a Oneworld multi-carrier award flight
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- Look at the pricing and execution fine print
- Who gets to avoid this charge:
- Business lines of credit
- Amber Grant for Women
- Mastercard World Elite benefits
- State Farm
- What is the Chase direct deposit requirement for checking accounts?
- Moving abroad
- 2021 credit card bonus categories
- 6. Reconsider tax preparers who don't e-file
- 3. Other AmEx cards do provide lounge access
- Credit cards that earn IHG points
- 4. Inventory: 17% to 25% of your total budget
- America's Seed Fund
- 5. You cannot have bought the house through a like-kind exchange
- $7.3 billion in bonded contracts were awarded to small businesses
- Step 5: Define your products and services.
- Franchising
- Our pick for: Simplicity
- PayPal
- Bridge loan
- Free Wi-Fi
- 3. Land a brand deal and make sponsored content
- VA loan for energy efficiency (EEM)
- Unpaid interest is cancelled
- Equifax
- 10. Deduction for state and local taxes
- 8. DoorDash discounts
- How to use American Airlines AAdvantage miles
- 7. Venture capital
- Find a credit counselor
- Winner for credit card: MGM Rewards
- 9. Ghost tax preparer scams
- Mortgage REITs
- 1. Review your credit and finances
- Walmart Foundation
- Switch from an adjustable- to a fixed-rate loan
- FHA cash-out refinance
- Step 3: Include your airline, hotel and car rental loyalty programs
- Cruise must be at least five days and have double-occupancy
- Estate tax exclusion
- 3. Turn to qualitative stock research
- 4. Take surveys for money
- 6. What experience should I emphasize?
- The winner: It’s a toss-up
- 4. Barclays rewards
- 4. Real estate investment trusts (REITs)
- Mortgage rates
- Least crowded: December to February
- Use points to upgrade your seat
- Equifax business credit scores
- 2. Gifting stock through a Roth IRA
- Trezor
- Micro- and mega-cap companies
- Conventional loans
- 6. Add your minor child
- Free unlimited photo storage with Amazon Photos
- 1. The person can’t be anyone else’s qualifying child
- How much does a HELOC cost?
- Stay at a Universal resort
- 4. Earn flexible points using a non-airline credit card
- 4. Replace your income, plus add a cushion
- Job growth
- If you have credit but want to strengthen your score
- Free online tax filing software compared
- Chase Freedom Unlimited®
- 12. Geothermal developer
- 3. Market yourself
- How we chose the winner
- 2. Evaluate the stock
- 8. Worldwide acceptance
- Scalability
- 5. Contact your own insurance company about the rental car accident
- Spend only what you can afford
- Home prices keep climbing
- Your community
- PayPal Cashback Mastercard®
- Pros of buying bonds
- 8. Be your own boss
- Read the reviews
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 7. Decide what to wear
- 5. Monitor your total credit utilization
- 1. Secured credit cards
- Other Marriott Bonvoy transfer partners worth considering
- Multiple storefronts
- 3. Ensuring returns without market risk
- 1% match
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- 5. Consider contributing enough to get any employer match
- What vehicle rentals are excluded?
- Protect your credit
- 6. McDonald’s
- 9. Freelance researching
- An example of buying a call option vs. buying the underlying stock
- 4. Understand mutual fund fees
- 5. How much capital do I have access to?
- Pros
- 4. Alert authorities to fraud
- Ruby Lane
- 6. Compare mortgage rates and fees
- 6. Find local gigs through Nextdoor
- Guarda: 4.6 out of 5 stars
- When are taxes due in October?
- Cheap full coverage car insurance companies by state
- ARM caps
- Property taxes
- Pros of gold stocks
- 7. Get rewards
- 2. Promote your business
- Cheap auto insurance after an accident
- 4. Special dividends
- 5. Get a quote
- Travel assistants
- 3. The Electronic Federal Tax Payment System (EFTPS)
- Choose your entry parameters
- You'll qualify for loan forgiveness
- Which is better when?
- Hybrid REITs
- 4. Pledge loyalty to a single airline
- When are taxes due in October?
- 4. Taxpayer identity theft
- Injuries to you
- Will you be covered?
- 13. Firehouse Subs
- 10. Social media management
- Get a vehicle history report
- 3. Get employment law liability insurance before you scale
- Mainland U.S. to Hawaii for 17,500 miles in economy on Delta
- 1. Diversification
- 2020 credit card bonus categories
- You find it hard or impossible to get a mortgage
- 7. Confirm they'll sign on the dotted line
- Lounge access
- Be aware of — and reduce — your carbon footprint
- Program for Investors in Microentrepreneurs
- 5. Explore new industries
- 6. You cannot be subject to expatriate tax
- 3. Set a target purchase price
- Where to get preapproved for a car loan
- Stripe
- Putting out a fire
- Your money management style
- 1. You avoid having the IRS do it for you.
- Gym workouts via the Planet Fitness app
- 5. Select your investments
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Build your score and then switch cards
- Progressive: Best for bundling business, auto coverage
- 2. Evaluate the stock
- Why it’s the best
- 4. Think about getting a second opinion
- 11. Mortgage interest deduction
- The simplified version
- When you’re preapproved
- CarFax
- 7. Content automation
- 5. Price yourself in line with the market, if not a little lower
- When to use a bridge loan
- USDA streamlined assist refinance
- 4. Explore emerging industries
- World of Hyatt
- Traditionally best rates, more commitment required
- HSAs and FSAs
- Dependent care FSA
- Other services available
- Best insurance company for affordability: NJM
- 5. Gather your paperwork
- 4. Chase Sapphire Reserve®
- Pay the security deposit upfront in cash
- Money market mutual funds = lowest returns, lowest risk
- 6. Enrichment activities for children
- Ages 55 to 64
- Cover your card charges
- Average online personal loan rates over time
- Amazon Elements
- 2. The person has to be related to you or live with you
- CareCredit
- Green, Gold and Platinum pay over time cards
- 3. Subtract variable expenses
- Short-term bond funds
- 11. Create a local grocery delivery service
- 5. The money can be used for more than retirement
- Pay bills on time
- American Express® Green Card
- Premium meals
- Rocket Money
- Debt-to-income ratio
- Other economic indicators
- 6. Growth investing
- Where to get it
- 4. Figure out what to charge
- Short-term loan
- Inverse performance
- National Association for the Self-Employed Growth Grant
- Travelers
- Health savings accounts (HSAs)
- Going bare
- H&R Block
- TreasuryDirect
- Average monthly life insurance rates for senior women
- Our pick for: Everyday spending
- Cash or cash-like redemptions
- 22% of businesses are owned by women
- Similarities
- Why you might roll a 401(k) into an IRA
- Research your competition
- How long will the rental be covered?
- Buying a put vs. shorting example
- Acknowledge how you feel about money
- Redemption value
- 10. Freelance coding and web design
- See what’s available in your brokerage account
- JetBlue credit cards with free baggage
- 1. Have a goal for your index funds
- What is the Global Entry interview like?
- Central America
- Opening multiple cards can harm your credit
- Bank loans
- 5. Your existing credit cards
- Perkins loans
- 9. No foreign transaction fees
- 8. Angel investors
- 7. Freelance
- Use a debt payoff strategy
- Common size balance sheet example
- Putting it all together
- Hybrid REITs
- Homeowners insurance
- Cons of gold stocks
- 2. Expense totals
- Spend on airline credit cards with built-in baggage perks
- Cardholder must travel on the cruise
- 8. Score free stuff
- Book one to three months in advance
- 5. Preferred dividends
- Commit 20% of your income to savings and debt paydown
- Whole life insurance rates for nonsmokers
- 3. Gifting stock to friends and family
- 5. Southwest Rapid Rewards® Plus Credit Card
- Compare car insurance rates for 35-year-olds
- Escape Lounge
- First trimester
- Alternative minimum tax
- Debt management plan
- What if you can’t pay your bills?
- 13. Solar panel manufacturer
- Irrevocable life insurance trusts (ILITs)
- Schedule 1: Additional income and adjustments to income
- 14. IHop
- 3. Decide how much stock you want to buy
- Consider a condo
- Who can avoid this fee:
- 2. Low cost
- 2019 credit card bonus categories
- 8. Check if they would have your back
- Other spending bonuses
- Earning rates
- Your coverage and deductibles
- 5. Marketing: Below 10% of your total budget (even 0%)
- Cons of buying bonds
- National Association for the Self-Employed Growth Grants
- Keep your job
- Make Money
- Bonus features
- Saving on a Valuable Education (SAVE)
- Pros
- Nonrefundable fare after grace period for travel that originates in the U.S., Canada, Europe, Africa and the Caribbean: $0
- Our pick for: Beginner-friendly features
- 2. You can pay your tax bill in installments.
- Referral program
- Disability housing grants
- Try different ways to avoid overspending
- Additional standard deduction 2023 (taxes due 2024)
- Etsy
- Cash management accounts
- 4. Penalty abatement
- 12. Gambling loss deduction
- Bank of America Charitable Foundation
- Mutual funds
- VA Interest Rate Reduction Refinance Loan
- FSA balances will expire
- Check-in
- Checkout
- Capital One
- 6. Kimpton Maa-Lai Bangkok, Thailand
- Fare flexibility/ticket changes
- Shop with points via the American Express site
- Average bank personal loan rates over time
- Experian business credit scores
- 7. Suspend your benefit
- Amazon Family
- 2. Digital assets
- You're worried about your total debt
- 3. Invest in companies that financially support racial justice
- Publicly-traded REITs
- 5. Split the family into different itineraries
- 12. Start a virtual event planning company
- Keep credit utilization below 30%
- Federal Reserve
- In network
- How fast will it be?
- 3. Learn the difference between investing in stocks and funds
- 11. Business planning service
- How we assigned star ratings
- Get an inspection from a trusted mechanic
- 9. Coverage if your trip is canceled or delayed
- On-platform storage: Easy to use, with some risks
- Bizee’s Fresh Start Business Grant
- Plan to own any home for at least a few years
- You can use credit card benefits to travel in basic economy
- USAA
- Flexible spending accounts (FSAs)
- Average monthly life insurance rates for senior men
- Examine your bank
- 5. Quality Inn & Suites Anaheim at the Park
- 1. Examine your cooling needs
- 5. Rent out a room
- 21% of businesses are minority-owned
- 8. Test your tech and set up your space
- Step 6: Get the proper licenses, permits, and insurance.
- 2. American Airlines
- Chattel loans
- What if I don’t have personal auto insurance?
- How to contact AAA
- 3. Secure funding
- 7. Dunkin’
- Apply for TRIP
- Cons
- 4. Sell some merch
- What do I need for my loan application?
- 3. Decide how much stock you want to buy
- If it's been a while since your last approval
- HEAL loans
- Equity funding
- 10. Airport lounge access
- 8. Artificial intelligence
- Safety ratings
- 9. Small-business grants
- Exodus: 4.5 out of 5 stars
- 2. Get pre-qualified
- HOA fees
- Individual bank stocks
- Step 4: Provide your email
- Book an eligible room type
- 9. Leave items in your cart
- Earned Income tax credit
- 2. Write your business plan
- Fare flexibility/ticket changes
- 7. What kind of people has the company typically preferred?
- 5. American Express Membership Rewards
- Consider Original Medicare with a Medigap plan if you:
- Loan limits
- Ages 65 to 74
- 6. Dividend funds
- Whole life insurance rates for smokers
- Don't forget the rules
- Reevaluate your business finances
- 5. Earn an airline companion pass
- 5. Medical identity theft
- Alcohol
- 2023 tax rates by state
- Bankruptcy
- Your stolen stuff
- Compare award letters
- Citi Custom Cash® Card
- 14. Plant delivery service
- 15. Melting Pot
- Personal loans
- 6. Find out who's responsible for paying what in a claim
- 3. Strong long-term returns
- 2018 credit card bonus categories
- Novo Business Checking
- You'll come out ahead by investing the money
- Venmo Credit Card
- Pros of limited partnership
- 1. Decide on an account type
- Purchasing a Plumeria Lounge day pass
- WomensNet Grants
- Pay the fee or get a fee waiver
- 1. Use a CD ladder
- 6. Decide whether you want to supplement your savings outside of a 401(k)
- What you need to get preapproved for a car loan
- 1. Through Hyatt hotel stays and purchases
- 401(k) or other investment account loan
- Decide which type of money market fund is right for you
- Account linking
- Cons
- Nonrefundable fare after grace period for travel that originates elsewhere: Varies
- 3. The government might owe you money.
- Travelodge by Wyndham Las Vegas Center Strip
- Additional standard deduction 2024 (taxes due 2025)
- 2. Research index funds
- 5. Focus on the long term
- After you're approved for Global Entry
- It takes discipline
- SBA loans
- 13. IRA contributions deduction
- Step 5: Staff wisely
- Work with a real estate agent to find your ideal second home
- 7. Gather your loan paperwork
- 8. Tutor your peers
- Travel
- Get a debt consolidation loan
- Winner for hotel partner elite status matches: MGM Rewards
- Cheap full coverage auto insurance for drivers with an accident or DUI
- Publicly-traded REITs
- 3. Cushion
- VA cash-out refinance
- 5. Make money from your blog with affiliate links
- Learn More About Credit Card Processing Fees
- 5. Upwork
- Place a debit card hold
- Baggage and boarding
- 7. Mobile apps and entertainment for children
- 5. Money market funds
- Use points toward online purchases elsewhere
- Average credit union personal loan rates over time
- Ledger
- Government-backed loans
- Keep credit accounts open
- Out of network
- 7. Value investing
- Schedule 2: Additional taxes
- 12. Tax consulting
- How we verified our data
- 10. Baggage delay insurance
- Competition remains steady
- TurboTax
- Perks that are the same across all cards
- Credit cards for earning American AAdvantage miles
- 1. Think long term versus short term
- 2. Time it right
- 21.7% of business owners are immigrants
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Manufactured home mortgages
- How does coverage vary for international rentals?
- Respond quickly to lender requests
- Set boundaries
- Eureka
- 11. Software and app development
- Pay As You Earn (PAYE)
- 6. What ideas can I test easily?
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- Side-by-side comparison of SBA 504 and 7(a) loans
- South America
- 2. Managing money
- 4. Borrow from your 401(k)
- How to use British Airways Avios for a flight to Hawaii
- Reliability
- 10. Crowdfunding
- Predictability
- Example CD APYs at select institutions
- 3. Gather necessary documents before you apply
- Dividends
- Step 5: Check for price drops (after booking)
- Use an eligible card to pay
- 10. Sign up for the mailing list
- 6. Pick your investments
- Baggage and boarding
- Consider Medicare Advantage if you:
- 3. The person’s gross income is below the limit
- Home equity line of credit
- AmEx EveryDay Cards
- 4. Set aside a contingency fund for unexpected costs
- Government bonds
- Public non-traded REITs
- 6. Book hotel suites
- 5. Select your retirement investments
- 13. Sell zero-waste products
- Money Manager
- Down payments and gift funds
- Resident status rules
- 4. Book at the right time
- Debt settlement
- Consider how much you’ll need to borrow
- 15. Open a used bookstore
- 16. Moe’s Southwest Grill
- 4. Develop a marketing plan and decide on prices
- Who can avoid this fee:
- 2017 credit card bonus categories
- Cons of limited partnership
- 6. Website: Around $40 per month
- 2. Choose the right broker
- 1. Restricting regulations
- 1. 'I’ll wait until the stock market is safe to invest.'
- Airbnb Plus
- 9. Follow up after your interview
- 2. Open a no-penalty CD
- Recommended portfolios
- Differences
- Why you might not want to roll a 401(k) to an IRA
- Book round-trip flights
- 4. You can avoid problems getting a loan.
- Swappa, Gazelle
- Online business loans
- 14. 401(k) contributions deduction
- CarGurus
- 9. Podcasting
- Common size cash flow statement example
- Individual gold stocks
- U.S. citizens
- Payday alternative loans
- Fleet expense management tools
- 8. What should I wear to the interview?
- 7. InterContinental Phuket, Thailand
- Cheapest car insurance after a DUI
- 1. Avoid filing your tax return on paper
- Resident status rules
- Redeem for gift cards
- 3. Predict the option strike price
- What if you’re unsure whether you’re supposed to tip?
- Watch the calendar
- Geico vs. Allstate home insurance
- 8. Use a do-over
- 6. United℠ Explorer Card
- Second trimester
- Reach out to your lender
- Space out credit applications
- 6. Account takeover
- Excursions
- Capital One SavorOne Cash Rewards Credit Card
- Buy from a reputable dealer or seller
- Loans for buying other businesses
- 11. Rental car coverage
- Taxes
- Noncustodial wallets: More effort, more security
- Venmo Small Business Grant
- Consider resale potential
- … And how to redeem them
- Fare flexibility/ticket changes
- Reduce your flood risk
- 2. Look into tax-loss harvesting
- Military Entrepreneur Challenge
- 3. Look for equipment rebates and tax credits
- 2. Through credit card spending
- 8. Pizza Hut
- Travel credits
- Security
- Appraisal fee
- 4. Open your account
- United credit cards with free baggage
- 5. Offer memberships
- 5. Hiring a tax relief company
- Parent PLUS loans
- 11. Luxury hotel benefits
- Customer satisfaction
- 11. Business credit cards
- 9. Take surveys
- Coinbase Wallet: 4.4 out of 5 stars
- Negotiate a lower APR
- 6. Always keep the food and conversation going
- Public non-traded REITs
- Step 3: Register your business
- 4. Total startup costs
- 11. Use referral programs
- 4. Put your stock research into context
- Set a price alert
- Chubb: Best for high-value homes
- Look at nonchain hotels
- Seat selection
- 6. Capital One Rewards
- 8. Shared accessories and attire
- Property standards
- 4. You have to provide more than half the person’s total financial support for the year
- You prefer student loan benefits
- Bank certificates of deposit, or CDs
- 14. Make products for pets
- Tax credits for low-to-middle-income households
- How it works
- 6. You can add different types of authorized users
- 16. Green gift shop
- Schedule 3: Additional credits and payments
- 17. P.F. Chang’s
- 4. Create your digital footprint as a life coach
- Perks await when you fly economy with elite status
- 2016 credit card bonus categories
- Verizon Visa® Card
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- Submit every year
- 1. Southwest Rapid Rewards
- 3. Try a bump-up CD
- What is the procedure for filing a claim?
- InboxDollars Surveys
- 1. Automate transfers
- 12. Business coaching
- Low-down-payment mortgage
- Income-Based Repayment (IBR)
- 5. Manage your mutual fund portfolio
- 5. Safeguard your Social Security.
- Book award travel on Singapore Airlines or SilkAir
- What happens if you are declined?
- Long-term accounts
- 8. Get a preapproval letter
- Bank ETFs
- Carnegie Corporation
- Stock splits
- Non-U.S. citizens
- FHA home improvement loans
- Marriott Bonvoy
- How to maximize your rewards
- 5. Citi Premier® Card
- Seat selection
- Discover
- 3. Sell your castoffs
- 2. Get direct deposit
- Dividend per share (DPS)
- Donate to charity
- Set cash aside
- Blue Cash Cards
- 5. Determine your profit
- Monitor your credit reports
- 13. PR agency
- 12. Travel assistance
- Determine if you need a rider
- Consider targeted investing
- 6. The Westin Anaheim Resort
- 2. 'I’ll buy back in next week when it’s lower.'
- 3. Japan Airlines
- Card details
- Check yields, fees and expense ratios
- Discount points
- Avoid traveling to certain countries
- Refundable fares: $0
- Our pick for: Fixed monthly payments
- 3. Pick your index funds
- 6. Take advantage where you can
- Europe
- 15. Saver’s credit
- Step 6: Practice your elevator pitch
- 10. Streaming service
- Tactic 3: Use your military benefits
- A few other fee-related details to note
- 4. Apply online
- 12. Write a review
- Rebook if you find a cheaper price
- 6. Sell your wares on Etsy
- Consider vacation rentals
- Earning rates
- No-exam life insurance rates for nonsmokers
- What if you can’t afford to tip?
- 4. Debit card
- How to have more taxes taken out of your paycheck
- Third trimester
- How quickly could the IRS implement the child tax credit expansion?
- Get professional assistance
- Check out peer-to-peer lending
- Private REITs
- 15. Create custom clothing
- Discover it® Miles
- 7. Criminal identity theft
- Travel costs
- AndroMoney
- 8. Income investing
- 17. Sell bicycles
- 18. Pinkberry
- Pay with points and miles
- Consider tools, education and features
- 2015 credit card bonus categories
- You'll need the cash for other things
- Submit an elevation certificate
- 3. Open the account
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Shopping
- Airbnb Luxe
- File taxes online with tax software
- Retail business applications increased by 87%
- Step 7: Decide where to sell your crafts.
- 2. Air New Zealand Airpoints
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Seek support
- 13. College consulting
- Customer support
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Stocks
- Solar panel incentives by state
- 12. Cardholder hotline
- How to use Alaska miles for an American flight to Hawaii
- General cost
- 10. Search for regular jobs for kids
- Elevate your credit scores
- Gold stock ETFs
- Inheritance and gifts
- 3. Get approved
- Appendix: How the math works in our examples
- 9. What is the starting salary range for this position?
- Our pick for: Cell phone and internet bill payments
- 6. High-yield savings accounts
- 3. Stay on top of things
- Dividend yield
- SafePal
- Geico vs. State Farm home insurance
- Family loan
- FHA appraisal
- Part-year resident status rules
- 5. Set a price alert
- Prudence's policy:
- Blue Cash Preferred® Card from American Express
- 13. Purchase protections
- 5. Decide how you’ll work with clients
- The Amplifier Grant
- Keep 'forever' in perspective
- NBKC Business Checking
- Baggage and boarding
- Our pick for: Flat-rate travel rewards
- 7. Office furniture and supplies: 10% of your total budget
- Home equity loan
- Google Opinion Rewards
- 9. Denny’s
- Club Wyndham Grand Desert
- 16. Health savings account contributions deduction
- Pharmacy choice
- Example money market account APYs at select institutions
- Private REITs
- VA supplemental loans
- 13. Dispute charges
- Best insurance company for accident forgiveness: Geico
- Earning rates
- The winner: Capital One
- 8. Regent Phu Quoc, Vietnam
- 6. OfferUp
- Upgradeability
- 7. Citi ThankYou Points
- Part-year resident status rules
- No-exam life insurance rates for smokers
- 4. Determine the option time frame
- Consider using a retirement account
- 7. Delta SkyMiles® Gold American Express Card
- Priority Pass discount: Kafe Kalik
- 6. Finalize your business budget
- 18. Sell scooters
- Can you pay estimated taxes at any time?
- 19. Pizza Hut
- 14. Professional organizing
- 5. Get your business financials in order
- Prepared to put down roots?
- 2014 credit card bonus categories
- Examples of other Synchrony co-branded cards:
- 2. Initial cost
- 3. 'I’m bored of this stock, so I’m selling.'
- 3. Frontier Miles
- Popular cash advance apps
- Manufactured home pros
- 2. Count your coins and bills
- A new way to buy and sell
- An example of selling a call option
- Income-Contingent Repayment (ICR)
- Escrow account funds
- Resident status rules
- 13. Access to unique, cardmember-only events
- Cars.com
- 11. 3D printing
- Trust Wallet: 4.3 out of 5 stars
- Cheap full coverage car insurance for drivers with poor credit
- 5. Avoid errors on your loan application
- Ford Foundation
- 401(k) hardship withdrawals
- Benefits
- 4. Earn badges through Live videos
- How to have less taxes taken out of your paycheck
- 16. Sell vintage clothing online
- Scenario: Doctor visits and an MRI
- Where to get it
- 4. Set a budget for your stock market investment
- 14. Customer service without the wait
- The risks and rewards of each
- Chase premium checking accounts
- Pros of C corporation
- 4. Fund the account
- 4. Call in a pro
- Georgia Small Business Development Centers
- Transportation and warehousing business applications grew by 100.7%
- Pros of a 203(k) loan
- Our pick for: Strategic shoppers
- 4. Buy the property
- User experience
- Pros
- Bonds
- Utility-based clean energy incentives
- 17. Self-employment expenses deduction
- Step 7: Write client proposals
- 5. Enter a debt management plan
- 9. Choose a real estate agent carefully
- Prepared to put down roots?
- FHA and VA energy-efficient loans
- Earning vs. redeeming points
- Be flexible with destination, airport and dates
- Cheapest auto insurance for poor credit
- 9. Shared home improvement equipment
- 4. One more thing to know about your tax refund
- Labor and delivery
- Delta SkyMiles Cards
- Pros of a higher credit limit:
- 1Money
- 9. Socially responsible investing
- Estimate loan payments
- Capital One Savor Cash Rewards Credit Card*
- 19. Energy-efficient car sales
- 20. Red Robin
- 15. Photography
- FedEx Small Business Grant Contest
- Seat selection
- Shop around
- 8. Utilities: Around $2 per square foot of office space
- 4. InterMiles
- Swagbucks
- 14. Tutoring
- 5. Choose investments that match your tolerance for risk
- 4. Decide where to buy your index funds
- Winner for partner reward benefits: Caesars Rewards
- Real estate
- 4. Prepare for your grand opening
- Drawbacks
- 7. Self-publish an e-book
- 6. Capital One SavorOne Cash Rewards Credit Card
- Upgradeability
- Call and ask
- Vanguard 500 Index Fund (VFIAX)
- Where is the best place to exchange currency?
- Head of household filing status
- Corporate bonds
- Explore startups
- 17. Begin niche blogging
- Look for deals
- Nonresident status rules
- Tax credits for investing in retirement
- Past years' state tax rates
- 6. Jump on fare deals
- Allianz Global Assistance
- What happens if I forget to pay my quarterly taxes?
- Take advantage of promotions
- If you refinance your original business loan
- Cons of C corporation
- 3. Ongoing investment
- Grow Georgia
- Home equity line of credit
- 2. Alternative credit cards
- Cons of a 203(k) loan
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Manufactured home cons
- 3. Prep for grocery shopping
- 10. Ben & Jerry’s
- State Farm vs. Geico renters insurance
- Reviews
- Flood determination and monitoring fees
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Africa
- 18. Home office deduction
- 12. E-commerce
- Compare business CD rates: 12-month term
- Coca‑Cola Foundation
- How to maximize your rewards
- 9. The Grand Ho Tram Resort & Casino, Vietnam
- 8. Bank of America® rewards
- 7. CDs
- Refinancing
- Dividend payout ratio
- Nonresident status rules
- What if you’re unhappy with the service?
- How to use a W-4 to owe nothing on a tax return
- Surgery grants
- Cons of a higher credit limit:
- How do you get a perfect credit score?
- 20. Open a consignment or thrift store
- 21. Starbucks
- Tory Burch Foundation Fellows Program
- Earning rates
- Adjust your deductible or coverage limits
- 5. Help your kid decide what to invest in
- Hire and work with a tax preparer or another tax pro
- 1. Live in the house for at least two years
- 23% of business owners cite inflation as their single most important problem
- Step 8: Find small business funding.
- 5. Qatar Airways Privilege Club
- 15. Online fitness trainer
- How to cancel award tickets booked with Delta SkyMiles
- Our pick for: An upgrade path
- Desert Rose Resort
- Mutual funds
- SAVE benefits available by October 2023
- Step 8: Set your pricing
- 10. Narrow down your ideal type of house and neighborhood
- MetaMask: 4.0 out of 5 stars
- Payday loans
- Step 4: Obtain your EIN
- Rural housing repair loans and grants
- Compare credits and amenities among cruise lines
- Capital One
- Vanguard Total Stock Market Index Fund (VTSAX)
- Amex EveryDay® Credit Card
- How do I find a currency exchange near me?
- 3. Precious metals
- Child tax credit
- Hilton Honors Cards
- Rethink your bank
- Mortgage insurance
- Bonzah
- 16. Event space
- 6. Price your services
- How's your job security?
- 9. Payroll: 25% to 50% of your total budget
- Georgia Hispanic Chamber of Commerce
- 5. Secure a gas supplier contract
- Airport lounge access
- Government recording fees
- Cons
- Middle East
- 19. Educator expenses deduction
- Why Chase Ultimate Rewards® can be the best option
- How to maximize your rewards
- Country Financial: Best for using an agent
- 5. Build a community
- 7. Poshmark
- Flexible spending accounts
- 18. Become an e-book writer
- Credit cards
- Scenario: Trip to the ER
- 21. Manufacture or sell eco-friendly fashion design
- How can I make paying quarterly taxes easier?
- 22. Wingstop
- Points or loan origination fees
- Upgradeability
- 4. Potential for conflict
- 2. See whether you qualify for an exception
- 40% of small-business owners note trouble filling jobs
- 4. United Airlines
- SAVE benefit starting in February 2024
- Part-year resident status rules
- Free business capital
- Edmunds
- 11. Monetize your social media accounts
- Pawnshop loans
- How's your job security?
- How to maximize your rewards
- 10. Vacation rentals
- Property-based passive income ideas
- Vanguard Total Bond Market Index Fund (VBTLX)
- Pre-qualify to compare offers
- An example of buying a call
- Where can you exchange currency for free?
- Child and dependent care tax credit
- Pros
- 1. Freeze your credit
- 7. Purchase travel insurance in advance
- Rental Cover
- 17. Interior decorating
- Access to Capital for Entrepreneurs
- Citi Double Cash® Card
- Cash-out refinance
- 11. Edible Arrangements
- 16. SEO consulting
- Loan-origination charges
- Exchange-traded funds
- 5. Buy index funds
- Asia
- 20. Solar tax credit
- 13. Portable charging devices
- Step 5: Apply for licenses, permits, and insurance
- Home Depot Foundation Veteran Housing Grants Program
- Home loans for Native American veterans
- Waived cancellation fees
- Home equity loans and lines of credit
- 8. Get advertising revenue from your blog or YouTube channel
- 10. Hotel Indigo Brisbane Fortitude Valley, Australia
- 8. The Platinum Card® from American Express
- 5. Credit card
- Payment plan
- Tax credits for education
- Long-term goals vs. short-term goals
- 22. Environmental blog
- 5. Focus on investing for the long-term
- 23. Red Lobster
- 3. Keep the receipts for your home improvements
- State Farm vs. Lemonade renters insurance
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- SAVE benefits available by July 2024
- 14. Purchase protection
- 12. Get paid to stream on Twitch
- Hurricanes and tropical storms
- Car title loans
- You may find a bigger discount with corporate codes
- Discover
- Vanguard Balanced Index Fund (VBIAX)
- Earned income credit
- Marriott Bonvoy Cards
- Get excited about a minority-owned stock exchange
- Cons
- 19. Start ghostwriting
- 2. Safeguard your Social Security number
- Loyalty programs
- Sure
- How it works
- Discover it® Cash Back
- 18. Woodworking or furniture building
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- Are you financially prepared?
- Tornadoes
- Our pick for: Customizable bonus categories
- Pros of S corporation
- 5. Lack of financial privacy
- Metro Atlanta Chamber
- 73% of business owners feel the impact of supply chain issues
- 3. Student credit cards
- Ways to earn Marriott Bonvoy points
- Selling a put example
- 4. Minimize restaurant spending
- 6. Obtain necessary permits and licenses
- Hotel status
- Mortgage insurance or fees for government-backed loans
- Everything else
- Cryptocurrency pros
- 21. Energy efficient home improvement tax credit
- Step 9: Stay organized and deliver results
- 3. Building a budget
- Using American Express Membership Rewards points
- Electrum: 2.5 out of 5 stars
- Section 184 Indian home loan
- Best insurance company for having few customer complaints: American Family
- Gifting large sums of money to family
- 11. Electronics repair
- 8. Buy a rental property
- An example of buying a put
- Compare car insurance rates for drivers with a DUI
- 4. Collectibles
- 23. Advertising agency specializing in green business
- 7. Invest in continuing education
- 10. Professional consultants: Between $1,000 and $5,000 per year
- Hurricanes
- Step 9: Order and organize your craft supplies.
- Cheapest full coverage car insurance in Florida for 30-year-olds
- More from NerdWallet
- 17. Selling handmade goods
- Rental car savings
- Oceania
- Nonresident status rules
- 15. Return protection
- Are you financially prepared?
- AutoSlash only shows cars available on Priceline
- Vanguard Growth Index Fund (VIGAX)
- American Express® Green Card
- 2020-2022 earned income credit amounts
- Adoption credit
- 20. Become a resume writer
- Pay off debt
- 3. Be alert to phishing and spoofing
- Flooding
- Cons of S corporation
- Startup Atlanta
- Personal loan
- 65% of small-business owners expect revenue to increase
- 12. Cinnabon
- Our pick for: No security deposit, low annual fee
- 6. Keep an eye on your index funds
- 22. Electric vehicle tax credit
- Bootstrapping
- 14. Publishing e-books
- 11. Stick to your budget
- Clif Family Foundation
- California earned income tax credit (CalEITC)
- Where to get it
- 24. Give bicycle tours
- 24. American Eagle
- 19. Graphic design
- 7. Get business insurance
- Transfer partners
- Pest inspection
- Cryptocurrency cons
- Food delivery service credits
- 16. Extended warranty
- Using Citi ThankYou Points
- Step 6: Open a business bank account and credit card
- Home and property disaster loans
- Cheapest car insurance for young drivers
- Paying for vacations, cars or other stuff
- 9. Rent out your own house
- Conventional loans
- California earned income tax credit (CalEITC)
- Vanguard Small Cap Index Fund (VSMAX)
- Don’t always choose the cheapest option
- 21. Open a coworking space
- 4. Use strong passwords and add an authentication step
- Home purchase: Basic Home Mortgage 203(b)
- Low-risk vs. high-risk investing strategy
- Discover it® Chrome
- 6. Manage your stock portfolio
- 1. Access to capital
- SCORE
- Citi Rewards+® Card
- 55% of business owners expect all accepted payment methods to eventually become digital
- 5. Get discounts on entertainment
- 18. Virtual thrift shop
- Used Car Search Pro by iSeeCars
- 9. Become an Instagram influencer
- The winner: Discover, by a nose
- Our pick for: Maximized value
- 9. Capital One Venture Rewards Credit Card
- 5. Commodities
- Wildfires
- Avoid taking on more debt
- California young child tax credit (YCTC)
- 25. Eco-travel planner
- 25. Anthropologie
- 20. Clothing boutique
- 8. Market yourself
- State Farm vs. Allstate renters insurance
- Prepaid expenses
- Pros
- Lyft ride credits
- 15. Fitness tech
- FHA loans for disaster victims
- How to compare life insurance quotes
- Giving a laid-back loan
- California young child tax credit (YCTC)
- Vanguard Total International Stock Index Fund (VTIAX)
- 1. Has the W-4 form changed?
- 5. Use alerts
- FHA refinance loans
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- 4. Store credit cards
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 13. Dairy Queen
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Accounting
- 4. Saving money
- Tornadoes
- Cash advance apps
- 12. Academics courses
- 10. Get a roommate
- FHA loans
- Compare options
- 22. Become an online coach
- Wait to apply
- California child and dependent care tax credit
- Tax credits for green purchases
- Do-it-yourself vs. hiring professional help
- 26. Sustainable events planner
- 26. Banana Republic
- 21. Bed and breakfast
- Hail
- 2. Efficient growth
- Set aside time for grant activities
- If you owe taxes
- 6. Map out major purchases
- 19. Affiliate marketing
- Cons
- 17. Rental car coverage
- 12. Make the most of walk-throughs and open houses
- Step 7: Research additional funding options
- Life insurance quotes vs. rates
- Setting up joint bank accounts
- California child and dependent care tax credit
- American Express® Gold Card
- 6. Real estate
- 6. Watch your mailbox
- Ink Business Unlimited® Credit Card
- Pros of LLC
- 11. Insurance: Average of $1,200 per year
- Step 10: Start marketing your wares.
- Our pick for: Online shopping
- Card ecosystem
- Tax monitoring and research fees
- Branding
- 16. Online teaching
- Kubota Hometown Proud Grant Program
- PJ’s Coffee
- NJM: Best small regional insurer
- Alternative investment passive income ideas
- 6. Mobile via IRS2Go
- Hail
- 2. What does it mean to be exempt from taxes?
- 23. Flip failing websites
- California adoption cost tax credit
- How it works
- 27. Open an organic spa
- 27. DSW
- 22. Food truck
- Earthquakes
- Be selective in your applications
- 20. Accounting or bookkeeping
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Mix KrisFlyer miles and cash
- 18. Trip cancellation or interruption insurance
- Winter weather
- 10. Monetize your Twitch channel
- Capital One
- California adoption cost tax credit
- 7. Shred, shred, shred
- FHA renovation loans
- Our pick for: Bank of America® customers
- Cons of LLC
- 3. Minimal employee supervision
- Citi Custom Cash® Card
- If you’re getting a tax refund
- 5. Authorized user credit cards
- 14. Cold Stone Creamery
- Title-related costs
- Fully underwritten life insurance
- Web design
- 17. Mobile application development
- Ledger: 5.0 out of 5 stars
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- 13. Language courses
- 10. Hilton Honors American Express Aspire Card
- Flooding
- Budget and plan
- 24. Become a web developer
- California nonrefundable renters tax credit
- Where to get it
- Ink Business Cash® Credit Card
- 28. Recycled furniture and home goods
- 28. J. Crew Factory
- Tornadoes
- Confirm eligibility requirements
- 96% of small-business owners have business bank accounts
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- 7. Restrict online shopping
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- NYC tax rate schedule
- Above-the-line deductions
- TrueCar
- Comparing full coverage car insurance quotes
- Scooter’s Coffee
- 11. Peer-to-peer lending
- California nonrefundable renters tax credit
- 8. Use a digital wallet
- Other specialty FHA loans
- 23. Restaurant or cafe
- 21. Telemarketing
- Find Singapore Airlines partner awards
- Human resources
- 19. Trip delay reimbursement
- 13. Don’t skip the home inspections
- Amazon Web Services (AWS) Imagine Grant
- Winner for premium seating classes: Etihad
- 25. Start a podcast
- 29. Eco-friendly kids toys
- 29. Journeys
- 12. Taxes: Variable, but 21% corporate tax rate
- 4. Increased brand awareness
- Be realistic about winning
- 18. Search engine optimization consultant
- Buy now, pay later
- The Platinum Card® from American Express
- 3. When should I review my W-4?
- 9. Protect your mobile devices
- 24. Craft brewery
- Wildfires
- Citi Rewards+℠ Student Card
- 60% reported no impact from recent bank failures
- 22. Online personal assistant
- Simplified issue life insurance
- Below-the-line deductions
- Green living
- 20. Lost luggage reimbursement
- Trezor: 4 out of 5 stars
- The Coffee Bean and Tea Leaf
- 26. Be a social media influencer
- 30. Handmade clothing
- 30. Madewell
- Dividends and preferred stock
- 5. Reduced risk
- 8. Delay purchases with the 30-day rule
- Upgrade your Singapore Airlines airfare
- 19. Social media consultant
- 11. Sell your photography
- 14. Business or marketing courses
- 12. Private equity
- Compare auto insurance rates for drivers with poor credit
- 10. Check your credit reports regularly
- Pros
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Credit required
- 23. Data entry
- Our pick for: Average credit and rewards
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Organization
- 21. Medical emergencies during travel
- 14. Negotiate with the seller
- Step 8: Set up an accounting system
- 4. Can I adjust my W-4 multiple times throughout the year?
- How it works
- 31. Green remodeling
- 31. Old Navy
- 25. Ice cream shop
- Business entity summary
- 13. Travel: Variable
- Real estate agent commissions
- Guaranteed issue life insurance
- Other ways to redeem Singapore Airlines miles
- 7. Same-day wire transfer
- 27. Create online courses
- 11. Monitor financial and medical statements
- Selling bonds
- 9. Get creative with gifts
- 24. Transcription
- 20. Drone videography
- SafePal: 3.8 out of 5 stars
- USAA: Best for military and veterans
- Discover
- Our pick for: Prime gaming
- 7. Private equity
- Where to get it
- 32. Green architecture
- 32. Target Circle
- 26. Personal chef
- Our pick for: Paying rent
- Citi Premier® Card
- Over half of small businesses have $50,000 or more in their business banking accounts
- 9. Familiarize yourself with your day-to-day responsibilities
- Property and transfer taxes
- Step 9: Follow ongoing requirements
- 15. Personal wellness
- American Express® Business Gold Card
- 28. Become a marketing consultant
- Cons
- 14. Shipping: Variable
- 1. Loss of complete brand control
- Overseas acceptance
- 25. Travel planning
- 21. Cybersecurity or IT consulting
- 15. Buy adequate home insurance
- What should you do if you’re invested in these REITs?
- Best insurance company for discounts: Amica
- 13. Crypto staking
- 33. Solar panel installation
- 27. Landscape services
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Title insurance
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- State Farm Good Neighbor Citizenship Company Grants
- Alternative investment pros
- 10. Lower your car costs
- Methodology
- 29. Develop an app
- Apple Cash: digital card
- 34. Start a cooperative
- 33. Aveda
- 28. Pet grooming
- 2. Increased potential for legal disputes
- Our pick for: Mall walkers
- 26. Cybersecurity and IT consulting
- Our pick for: Average credit and no annual fee
- 22. Venture capitalist
- 12. Become a dog walker with Rover or Wag
- Citi Prestige® Card
- Look up the insurer’s financial strength
- 5. Maximizing your credit cards
- 16. Courses in hobbies or interests
- 1. Lost wallet
- 35. Green venture capitalist
- 34. BareMinerals
- 29. Florist
- 11. Reduce your gas usage
- Google Ad Grants
- 30. Make a smart appliance
- Benefits of FHA loans
- How it works
- 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
- Product creation passive income ideas
- The Business Platinum Card® from American Express
- 8. Check, money order or cashier’s check
- Alternative investment cons
- Cash App debit card
- 36. Green financial planning
- 35. Clinique
- Secure funding
- 27. Online therapy
- 23. Startup incubator
- The winner: It’s a toss-up
- 31. Tap into virtual reality experiences
- 2. Mailbox theft
- Disadvantages of FHA loans
- 30. Massage therapist
- Research the insurer’s reputation for customer service
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- Winner for lowest fees: Tie
- 37. Software
- 36. CVS
- 4. Federal and state regulation
- AT&T Points Plus Card
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- 28. PR consulting
- Step 10: Define your brand
- 14. Write content
- Individual stocks
- 32. Make a niche dating site
- Where to get it
- Our pick for: Limited credit
- 24. Antivirus developer
- The Unless Project
- Erie: Most generous coverage
- 3. Using public Wi-Fi
- 38. Apps
- 37. e.l.f. Cosmetics
- 2. Consider financial strength
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 33. Develop a chatbot
- 31. Nutritionist
- Get a business credit card
- 13. Switch your cell phone plan
- 29. Podcasting
- 25. Domain name broker
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- 18. Consulting
- 39. Refurbish/recycle tech
- 38. Lancome
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 3. Evaluate the policy options
- 6. Borrowing money
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 4. Data breaches
- 32. Personal trainer or fitness instructor
- Step 11: Create your online presence
- Dividend stocks
- 39. Sephora
- 30. Life coaching
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- 14. Reduce your electric bill
- Aldi Cares Community Grants
- 15. Publish a digital course
- 9. Cash
- 5. SIM card swap
- 40. SmashBox
- 33. Beauty services
- Our pick for: Good credit
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 31. Video production
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 19. IT support
- 36. Reinvent exercising
- 41. The Body Shop
- 34. Life coach
- 1. What is the average cost to start a small business?
- 15. Lower your student loan payments
- Car-related passive income ideas
- 6. Phishing or spoofing
- 32. Resume writing and career coaching
- Zendesk Tech for Good Impact Awards
- Nationwide: Best online experience
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 42. Ulta
- 2. How do you calculate startup costs?
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- 20. Graphic design
- 16. Wrap your car with ads
- 38. Open a food truck or restaurant pop-up
- 7. Skimming
- What is a prepaid debit card?
- 35. Tutor
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 33. Dropshipping
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 3. Are business startup costs tax-deductible?
- Our pick for: Travel
- The Audacious Project
- 39. Start an organization business
- 43. AMC Theatres
- 36. Daycare provider
- 17. Refinance your mortgage
- 17. Rent out a parking space
- 8. Phone scams
- What is a prepaid credit card?
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- 44. Barnes & Noble
- 4. What is considered a startup cost?
- 34. Recruiting
- 16. Trade in old phones, electronics for cash
- 21. Social media management
- 10. IRS payment plan or installment agreement
- Where can you get a prepaid card?
- 37. Senior care provider
- 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
- Wells Fargo nonprofit grants
- 9. Looking over your shoulder
- 45. Redbox
- 35. Marketing consulting
- Openly: Fewest consumer complaints
- How do you add money to a prepaid card?
- 38. Interpreter or translator
- 36. Online fundraising or grant writing
- Our pick for: Instant gratification
- 10. Malware
- Which prepaid card is best?
- 39. Housecleaning
- 17. Get a babysitting gig
- 22. Marketing copywriter
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 19. Track spending
- 37. Online course teaching
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 1. Review your mission
- 40. Automotive repair
- 38. Online cooking instruction
- 7. Your credit score
- 23. Virtual assistant services
- 1. Gather your information
- 20. Pay off high-interest debt
- 2. Refine your search with keywords
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 39. YouTube channel
- 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
- 42. Dry cleaners
- 3. Narrow down based on location
- State Farm: Best perks
- 40. Voiceover work
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- 22. Create a 50/30/20 budget
- 1. Do your research
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 4. Look for organizations with similar values
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 41. Start a team
- 2. Get organized and make it official
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 45. Freelance copywriting and content creation
- 5. Consider hiring a grant writer
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- How do you want to make money?
- 20. Become a private tutor
- 3. Find the right financing
- 47. Website development and design
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- How will you find work?
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 48. Sell clothes online
- You’re a first-time home buyer
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 24. Join initiatives to get free items
- How much autonomy do you want?
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- 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
- 50. App development
- Trip cancellation
- You live in a high-risk area
- 25. Use car sharing services
- Trip interruption
- 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
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- Trip delay
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cancel For Any Reason
- You own valuable items
- 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
- Baggage delay
- 24. Sign up to be a mystery shopper
- You own an older home
- 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
- Lost baggage
- Travel medical insurance
- 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.