FINANCIAL HEALTH A federal tax extension allows you extra time to file your taxes. You can request an extension for any reason and receive an additional six months to complete your return. Here’s what you need to know. * You must request an extension before your filing deadline. Don’t delay or you risk a penalty. […]
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FINANCIAL HEALTH A healthy debt-to-income ratio is an indicator of financial stability. Just as the term implies, this ratio compares the amount of money you pay toward debt against your income. A stable debt-to-income ratio is anything 43% and lower. Someone with a higher percentage may struggle to make ends meet and keep up with
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FINANCIAL HEALTH Could you have money waiting for you? Learn about unclaimed money or property from bank accounts, tax refunds, insurance policies or wages and pensions. You can find your unclaimed money for free. Here’s how: * Search in every state where you have lived. Look up each state’s unclaimed property office. You can also
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FINANCIAL HEALTH Managing your finances is a long-term investment. Following a budget is the blueprint for financial health. But, how do you know if it’s working? A yearly financial review provides a snapshot of how well your financial management achieves your financial goals. And it allows you to identify and adapt to changes in your
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FINANCIAL HEALTH When you need money, payday loans may seem like a quick, easy option. But these loans may not be worth the money they cost you. Payday loans are also called cash advance loans. They’re a short-term loan. You pay a fee – often a big one – to borrow money for a short
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FINANCIAL HEALTH If you carry multiple credit card balances, reducing your debt can feel overwhelming. But there are many techniques to help you tackle your debt. One strategy is to create a debt avalanche. Here’s how it works: * Make a list of your credit cards, their balances, interest rates, and minimum payments. * Evaluate
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FINANCIAL HEALTH 1.See.See what you agreed to. Look at all the paperwork for the loan documents. Check the annual percentage rate (APR), which is the cost of your loan interest measured by a yearly rate. Look at the finance charges, which includes the total amount of interest and certain fees you’ll pay. 2.Say no.Say no
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FINANCIAL HEALTH Little everyday choices can have a big impact on your finances. If you want to save more or spend less, think about whether you’re making any of these mistakes. Mistake #1: You put off saving money. Do you think that you can wait a few more months or even years before you need
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FINANCIAL HEALTH Regular expenses are a necessary part of life. In your household, you probably have a certain amount of money coming in and a different amount going out. Even if you have a rough idea of how much you spend, tracking your monthly expenses can help you find out a lot about your money.
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WELL-BEING High levels of credit card debt and the stress of having debt may be bad for your health, a study in Social Science & Medicine suggests. People who reported higher levels of stress about their debt showed higher levels of physical impairment and reported worse health than those with lower levels of debt. In
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