Personal budgeting

FILE - In this Aug. 11, 2019, file photo a woman signs a check at a restaurant in New Orleans. Personal finance rules of thumb can be useful for evaluating how you’re doing with your money and for setting financial goals. They’re not exact or personalized, but you see how you’re doing at a glance. (AP Photo/Jenny Kane, File)
December 24, 2019 - 10:05 am
To calculate a restaurant server’s tip, double the first number on the bill. A $62.47 tab gets a $12 tip. If the bill is more than $100, double the first two digits. That’s an example of a money rule of thumb that is imperfect but useful, which is the idea — inexact starting points for goals,...
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FILE - In this Nov. 29, 2019, file photo a shopper carries a crockpot during Target's Black Friday sale in the Borough of New York. Shopping at sales and using coupons may not be saving you as much money as you think. Knowing the pitfalls and having a plan can help keep your holiday shopping from coming back to bite you in January. (AP Photo/Bebeto Matthews, File)
December 05, 2019 - 11:08 am
Holiday marketers have your number, and they know how to entice you to spend. You try to rein it in. But two favorite strategies can lead to spending more, according to a 2018 survey by the Center for the New Middle Class, a research organization funded by Elevate, which lends to credit-challenged...
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FILE - This Jan. 17, 2017, file photo, shows Netflix on a tablet, in North Andover, Mass. When it comes to credit card rewards, it's not all about gas, groceries and restaurants anymore. Issuers are moving beyond suburban staples to include millennial-friendly categories such as transit and streaming subscriptions. (AP Photo/Elise Amendola, File)
August 22, 2019 - 11:00 am
When it comes to credit card rewards, it's not all about gas, groceries and restaurants anymore. Issuers are moving beyond suburban staples to include millennial-friendly categories such as transit and streaming subscriptions. The trend toward streaming rewards, in particular, is hard to miss, with...
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August 22, 2019 - 7:39 am
When it comes to credit card rewards, it's not all about gas, groceries and restaurants anymore. Issuers are moving beyond suburban staples to include millennial-friendly categories such as transit and streaming subscriptions. The trend toward streaming rewards, in particular, is hard to miss, with...
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In this undated image provided by NerdWallet, Ray Robertson and his wife Bailey pose for a photo. As newlyweds, Ray and Bailey paid off over $33,000 in consumer debt in 18 months. Their strategy? Aggressive payments, a lean lifestyle and plenty of communication. Now they're working on paying off their mortgage, accruing wealth and raising their son.(Amelia Campbell Photography/NerdWallet via AP)
July 02, 2019 - 9:44 am
In this series, NerdWallet interviews people who have triumphed over debt. Responses have been edited for length and clarity. BAILEY AND RAY ROBERTSON HOW MUCH: $33,456 in 18 months Ray Robertson's debt-payoff journey involves two fateful conversations across the ocean from where he grew up. The...
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July 02, 2019 - 6:44 am
In this series, NerdWallet interviews people who have triumphed over debt. Responses have been edited for length and clarity. BAILEY AND RAY ROBERTSON HOW MUCH: $33,456 in 18 months Ray Robertson's debt-payoff journey involves two fateful conversations across the ocean from where he grew up. The...
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FILE - This March 20, 2018, file photo shows the Venmo app on an iPad in Baltimore. Millennial couples are less likely to combine finances than other generations. But there are benefits to merging accounts and not using Venmo to split bills forever. (AP Photo/Patrick Semansky, File)
June 11, 2019 - 10:58 am
As a millennial couple, you and your partner might not be planning to blend finances even if you've been together for a while. Venmo is convenient, after all; the peer-to-peer money transfer app makes it easy to split costs like rent and utilities. Or perhaps you've each agreed to pay specific...
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FILE - In this Jan. 10, 2019 file photo Cheryl Monroe, right, a Food and Drug Administration employee, and Bertrice Sanders, a Social Security Administration employee, rally to call for an end to the partial government shutdown in Detroit. The government shutdown left an especially painful toll for African-Americans who make up nearly 20 percent of the federal workforce and historically have been on the low end of the government pay scale. The U.S. Office of Personnel Management says African-Americans make up about 18 percent of the federal workforce of approximately 2.1 million employees. (AP Photo/Paul Sancya, file)
January 26, 2019 - 1:11 pm
DETROIT (AP) — For Cheryl Monroe and generations of other African-Americans, federal government jobs have long been a path to the middle class and a way to provide a comfortable life for their families. Then the record-long government shutdown hit, making it hard for the U.S. Food and Drug...
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January 18, 2019 - 10:40 am
Much like Santa, you spent this holiday season delivering gifts to your family members and friends. But now that the flurry of tinsel and wrapping paper has settled, it's time to be your own Santa. Don't worry, no dropping through a chimney required. Just the gift-giving — and, OK, maybe the...
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