The Modern Wallet Blog

Basic Steps To Financial Fitness

There are some broad guidelines that may help you get better control of your financial plans.

Financial Advice You Should Never Follow

Make sure your sources are trustworthy.

7 Ways You Can Use a Personal Loan

We have outlined several ways to help you responsibly use a personal loan this summer.

Store Cards Are Rarely The Better Deal

Rates on retail cards are usually higher than credit union cards.

Teach Kids Money Management

If they have shown financial responsibility, a debit card/checking account can be a great next step.

8 Ways To Save Vacation Money

Plan ahead to ensure that you get the most for your money without sacrificing a good time.

Figuring Out Tax Withholding

If you're getting money back, ask yourself these questions.

The Financial Facts of Life

It’s never too late to begin learning.

Don't Lose Sleep Over Money

Americans' top 3 worries are debt, lack of savings and not having enough for retirement.

Clean Up Your Finances

It’s easy to see when your house needs cleaning, but it may be harder to know when to “tidy up” your finances.

Budgeting for Infrequent Expenses

Many people live in a state of denial about the cost of infrequent expenses.

Fix Bad Money Habits

The peace of mind a healthy financial status brings is priceless.

How To Talk Money With Your Partner

What happens when you and your partner have different approaches toward money?

It's a common scenario.

Saving Money When There's Not Much to Save

Life is easier if you have a cash cushion or an emergency fund, but how do you save when there is not much fat in your budget?

Don't Rely on Luck at Tax Time

At tax time, there’s no such thing as luck. Plan ahead, be proactive, and prevent surprises on your next tax return.

Payday Loans Aren't Worth the Cost

It’s a trap that will cost you many times more than you borrow.

5 Reasons We Overspend

Let’s take a look at five common reasons and how we can overcome them.

The Benefits of Using Mobile Payments

Why fumble for your wallet when checking out when you can pay using your phone?

What Are the Advantages of a HELOC?

Once approved for a HELOC, borrowers can spend the funds however they choose. 

The Importance of Being Financially Fit

Being financially fit is crucial for a well-balanced, stress-free life.

How To Pay Off A Loan Early

If you’re like most Americans, you owe money on a large loan. 

When Does it Make Sense to Pay a Bill with a Credit Card?

Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them?

Using Your Credit Cards Responsibly

Boost your credit score and financial wellbeing. 

What's the Best Way to Tackle Debt?

Snowball Method vs. Avalanche Method

Preparing for an Interview

Here’s how to prepare for an interview that will have you presenting yourself as polished, professional and capable to any potential employer.

Don’t Mistake Your Stimulus Payment for Junk Mail

Four million Americans are receiving their Economic Impact Payment in the form of a prepaid debit card — and many are mistaking it for junk mail.

Getting Ahead on Your Student Loan Before You Graduate

Be sure to look at the larger picture before you accept a position.

What Should Be on My Financial To-Do List This Spring?

Let's review some ways you can improve your money management this time of year.

All You Need to Know About Going Cashless

As our world grows increasingly digitized, many consumers are banishing cash from their wallets and choosing other ways to pay.

How to Create a Budget in 6 Easy Steps

A budget will help you gain financial awareness, which will help facilitate more responsible decisions.

How To Dispute An Error On Your Credit Report

As a financially responsible individual, you should be checking your credit on a regular basis.

Taking Steps Toward Financial Improvement For The New Year

Where should you start?

5 Ways To Keep Your Finances Intact This Holiday Season

You don’t have to rack up a huge credit card bill or go into debt to cover your holiday expenses. Enjoy a financially stress-free season with these tips.

Understanding The Credit Card Trap

Why do most Americans carry so much credit card debt and find themselves stuck in the debt trap?

Do My Monthly Bill Payments Affect My Credit Score?

Read on for three steps that can help your on-time monthly payments boost your credit score.

How Much Money Should I Keep In My Checking Account?

How much money should we be keeping in these super-convenient accounts? Let's find out.

The Ultimate Smart Shoppers Cheat Sheet

Did you know you should be timing your shopping throughout the week?

12 Things To Do Before Your Summer Getaway

Heading out of town for vacation? Whatever your plans, here’s a list of things to take care of before you leave. 

7 Money Myths You Need To Stop Believing Now

Spend less, save more and invest early. While most of these words ring true, there are lots of money management tips that are false.

What To Buy And What To Skip On Memorial Day

You might be surprised at the things you should and shouldn’t buy this time of year.

7 Signs You're Living Beyond Your Means And How To Fix Them

Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track. 

Tax Code Changes 2019

The annual tax code changes can be confusing. We’ll walk you through everything you need to know for 2019.  

10 Hacks You Need To Know Before Hitting The Mall

Is there a way to spend less at the mall this holiday season and to make the experience more pleasant? 

How Many Credit Cards Should I Own?

Is several credit cards and more available credit a good idea? Or, are too many cards a liability to your score? 

Questions to ask Yourself Before Making a Large Purchase

Before you say “yes” to a large purchase, ask yourself these 7 questions.

6 Ways To Turn Your Dream Vacation Into a Reality

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true.

How to Fund an Emergency

Q: I’ve had a financial emergency and I don’t know how to pay for it! What are my options? 

A: Ideally, you’ll want to have an emergency fund in place. If you don’t, consider these options… 

Spring Clean For Extra Cash

With just a few steps, you can put some extra cash in your wallet. 

How To Use The Money Envelope System

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again.

6 Common Tax Mistakes To Avoid

Get ready to dig out the enormous pile of receipts, tax forms and pay stubs, and get to work.

The Dos And Don'ts Of Credit Repair

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score.