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April 02, 2019

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With tens of thousands of people still out of work and the economy still limping toward a recovery, wise spending remains important. And with huge parts of life still happening on your screen, for many, this means saving on online shopping. Here are some tips for saving money when shopping online: Wait on every purchase Online retailers purposely make it quick and easy to buy the stuff in your cart. Outsmart them by waiting between choosing your purchases and actually purchasing them. This trick serves a dual purpose: First, you may find you don’t really need or even want the item after a few days. Second, the retailer will almost always email a coupon for you to use for the “forgotten items” in your cart. Outsmart dynamic pricing Dynamic pricing is one of the most powerful tools merchants use to get online shoppers to spend more. It involves using sophisticated algorithms and tracking to show shoppers prices based on their location, browsing history and spending patterns. Retailers

Your Complete Guide to Secure Mobile Banking

In response to the rise of mobile banking scams, the Consumer Financial Protection Bureau (CFPB) recently published new guidance on unauthorized electronic funds transfers, or EFTs. With more people using electronic banking as a holdover from pandemic times, it’s important for consumers to be aware of its vulnerabilities and how to protect themselves from scams. Here’s what you need to know about the risks of mobile banking and how to stay safe. What are the risks of mobile banking? Banking through your mobile device is quick, convenient and efficient. There’s no longer a need to stop by the credit union on your way home from work to deposit checks, make a transfer or review your recent account history. Most banks and credit unions now allow you to do all that and more at any time, and from anywhere, using your phone and a mobile banking app. Unfortunately, though, like all transactions that take place over the internet, mobile banking has some inherent risks. First, hackers can

Needs Vs. Wants: How to Tell the Difference

One of the most important parts of setting up a monthly budget is separating needs from wants. Before assigning dollar amounts to any categories, it’s important to know which parts of your monthly expenditures are an absolute need, and which items would be nice to include, but are not a necessity. Many people find this particularly challenging, and many even give up on budgeting when they can’t move past this step. Fortunately, it doesn’t have to be this way. Below, we’ve outlined how to tell the difference between wants and needs, as well as how to separate these two categories on a monthly budget plan. Defining needs and wants A need is something that is necessary to live and function. A want is something that can improve your quality of life. Using these criteria, a need includes food, clothing, shelter and medical care, while wants include everything else. However, as you’ll find when creating a budget, these terms are more fluid than they appear to be at first glance. While wo

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