Saving

50 Ways to Improve Your Finances in 2019 | Saving and Budgeting

Ring in the new year.

The start of a new year is a time to make financial resolutions, ditch bad money habits and consider ways to improve your financial health. Throughout the past year, U.S. News has published stories with great advice on how to save money, pay down debt and reach your financial goals. Read on for the best ways to improve your finances in 2019 and beyond.

Negotiate your salary.

One of the most effective ways to stretch your budget, reduce debt or boost savings is to make more money. Of course, that’s easier said than done. But don’t neglect the power of negotiating your salary, either at a new job or at your current job, to increase your earning power and improve your finances.

Get ready for the next financial crisis.

To prepare for the next financial crisis, establish good financial habits, build an emergency fund, pay

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One of the most exciting times of everyone’s life is entering the real word as a young adult. Finishing school, getting that first full time job, and venturing out on your own is always an important milestone everyone remembers. It signifies the start of adulthood and finally not being “a kid”. However, for many, the excitement wears off pretty quickly and you then get hit with one of the harshest realities of being an adult: managing your own finances.

Why is it so hard?

Budgeting and learning how to spend your money wisely for the first time is a challenge for everyone. And you’re bound to make mistakes. To make your transition easier, here are four tips to help you survive budgeting in the real world for the first time:
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healthy eating

Ramen noodles may be cheap, but they sure don’t offer much in the way of nutrition.

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Saving and Investment Options | USAGov

Learn how to budget to reach your savings goals. Get the basics on a variety of investments, including savings bonds and other Treasury securities backed by the federal government.

Things to Consider Before You Invest

If you want to pay for retirement, college, or a home, you can invest your money to fund your goals. Before you invest, make sure you can answer all of these questions:

  • What type of earnings can you expect on your investment? Will you get income in the form of interest, dividends, or rent?

  • How quickly can you get your money, if you need to sell or cash in your investment? You can sell stocks, bonds, and shares in mutual funds at any time. However, there is no guarantee you’ll get back all the money you invested. Other investments, such as certificates of deposit (CDs) or IRAs, often limit when you can cash out.

  • What

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