Personal Finance - Page 2

The latest tips and insights to help you manage your money effectively.

December 1, 2025

Black Friday spending hits records but raises questions

Record sales mask mixed fundamentals Fresh data from Thanksgiving weekend shows American consumers spent at record levels, but analysts say the increase was driven more by inflation than excitement. Adobe Analytics reported

September 30, 2025

Do You Need a Robo-Advisor or a Human Advisor?

Robo-advisors: Efficient, affordable, and beginner-friendly Robo-advisors are automated digital platforms that build and manage investment portfolios based on your preferences and risk tolerance. According to Investor.gov, they offer a low-cost solution for

September 3, 2025

The 4% Rule: Still Relevant for Retirees?

How a Simple Formula Was Born In the early 1990s, financial planner William Bengen developed what is now known as the 4% withdrawal rule. He published his research in 1994, offering a

Target Unveils Early Black Friday Deals with Daily and Weekly Discounts Through Holiday Season

by Jamie Spencer

Target is kicking off the holiday shopping season early this year with a series of deals beginning well before Black Friday. Starting November 1, Target’s “Deal of the Day” specials will offer

October 30, 2024

Pending Home Sales Surge in September Amid Brief Dip in Mortgage Rates

by Jamie Spencer

September saw a surprising jump in signed contracts to buy existing homes, rising 7.4% compared to August, according to the National Association of Realtors (NAR). This gain, which far exceeded analysts’ expectations

October 30, 2024

How Couples Can Build Financial Harmony and Reduce Money-Related Stress

by Jamie Spencer

Money is often one of the biggest sources of tension in relationships, with 25% of couples identifying it as their top financial challenge, according to Fidelity’s 2024 Couples and Money study. Whether

October 25, 2024

Trump’s Campaign Plans Could Speed Up Social Security Insolvency by Years, Study Says

by Jamie Spencer

A nonpartisan budget group has warned that former President Donald Trump’s campaign proposals could drastically shorten Social Security’s solvency timeline, making the program insolvent in as few as six years. The analysis,

October 21, 2024

Mortgage Rates Rise Again: Is It Time to Buy or Wait for 2025?

by Jamie Spencer

Mortgage rates climbed again this week, leaving homeowners and potential buyers wondering whether it’s the right time to take action. According to Freddie Mac, the national average 30-year fixed mortgage rate increased

October 18, 2024

Understanding the Difference Between Needs and Wants for Better Financial Health

by Jamie Spencer

A strong financial foundation begins with the ability to differentiate between needs and wants. Many people unintentionally mix up the two, which can lead to overspending, unnecessary debt, and financial instability. The

October 17, 2024

Best Personal Finance Apps for Budgeting and Money Management

by Jamie Spencer

Understanding your financial situation—everything from income and expenses to credit scores and investments—is key to achieving financial stability. For over 15 years, PCMag has covered the best apps for managing personal finances

October 16, 2024

SSI Recipients to Receive Two Payments in November Due to Calendar Shift

by Jamie Spencer

Millions of Supplemental Security Income (SSI) recipients will receive two payments in November, as the timing of December’s benefits shifts to accommodate the usual payment schedule. This adjustment is necessary because December

October 16, 2024

Social Security COLA 2025: Smaller Increase Disappoints Retirees

by Jamie Spencer

Social Security recipients are anxiously awaiting the announcement of the 2025 cost-of-living adjustment (COLA), but many may be disappointed. Analysts predict that this year’s increase could be among the smallest since 2021,

October 11, 2024

Balancing Progress and Pressure: Women’s Complex Journey in the Workforce

by Jamie Spencer

Women have made remarkable progress in education and the workplace, nearly reaching parity with men in several areas. Data from the Federal Reserve shows that women between the ages of 20 and

October 7, 2024

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