Year-End Money Checklist

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The month of December is infused with holiday cheer. Candy canes, Christmas music, and twinkling lights saturate our surroundings, so it's no wonder we want to spend this month celebrating the moment with friends and family. But December is also a time for reflection and preparation, and many of us will (and should) organize our lives before heading into the new year. That includes our finances. Nobody wants to pay extra taxes, lose money, or miss out on major cash bonuses or rewards. So add these 7 money moves to your end-of-year checklist, and enter the new year with your finances in order.

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The Best Black Friday and Cyber Monday Sales

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With Thanksgiving behind us, it's officially time to kick off the Christmas season! Light up your home, put up your tree, turn up Michael Bublé, and settle in for a month of comfort, tradition, and you know it...holiday shopping. But before you kick off your shopping spree, make sure you create your holiday budget and download the apps you'll need to get the best deals this month.

It's nearly impossible to keep...

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Holiday Shopping on a Budget | ModMoney

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With Thanksgiving upon us and the December holidays right around the corner, it's finally time to talk holiday shopping. And what better way to nurse a pumpkin pie hangover than to move on to the next holiday activity, am I right?

While December is a glittery, enchanting and peppermint mocha-filled time of year, it can also be stressful on our wallets. Because let's be honest, a holiday that revolves around "giving" also implies "spending." And while Black Friday and Cyber Monday sales offer toys and clothes and gadgets at low prices, it's so easy to go over budget. In fact, according to a...

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What To Do With An Old 401k

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Think about the last time you started a new job. It was an exciting time, right? A new job is an opportunity to start fresh. It's the time to enter a new office, hone new skills, brew new coffee, greet new coworkers, and most importantly, open a new retirement plan. Many of us have started a new career and wondered what to do with the 401(k) from our last job. We worked hard to save and don't want to sacrifice it with an avoidable mistake. Read on for three ways you can handle your old 401(k) to keep your savings safe—and one thing to avoid!

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The Best Personal Finance Apps to Manage Your Money

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The idea of managing your own money can be a daunting one. I mean, it's the reason I started ModMoney in the first place. The whole point is to make personal finance approachable, accessible, and simply less scary.

Now here's the good news. New personal finance apps are making money management easier than ever. Nowadays, anyone can track, save, budget, and invest their money with just a handful of online tools. So consider this your launchpad for your long-term goals—a limited, but excellently...

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A Personal Finance Blogger's Guide to the 2018 Nordstrom Anniversary Sale

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If Christmas is the most wonderful time of the year, what comes next? In my book, it's the Nordstrom Anniversary Sale. And before you roll your eyes, I do recognize the irony of a personal finance blogger spending money on (arguably) frivolous things. But just hear me out. I'm excited about the Nordstrom sale because it's the only one out there that discounts NEW merchandise, not old inventory. That means all the new fall and winter pieces...

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How to Get the Best Deal On A New Car

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Driving a new car is fun. Buying or leasing a new car...not so much. I think we can all agree that negotiating with a car salesperson is a downright nightmare. Why do they automatically assume that (1) you don't know how to negotiate a car, and (2) you can be manipulated?! Let's fix that. By asking the right questions and showing a baseline knowledge of car buying, you can turn the situation in your favor. This is exactly how to get the best deal on a new car.

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A Beginner's Guide to Investing Like a Pro

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I’m a firm believer that basic personal finance should be taught in school. So many college graduates emerge with nothing more than a vague idea of how to start investing for a secure future. And this is a huge problem because investing is actually an important part of building wealth! Sure, it may come with a few new vocabulary words, but investing doesn’t have to be that complicated. So let's break it down in a simple, bite-sized, approachable way. Because who doesn’t want to make money from their money, am I right? Here are all the investing basics you need to get started.

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10 Ways You're Wasting Money Without Realizing It

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I recognize the irony of writing a post on wasting money while on our European honeymoon. But even as a personal finance blogger who touts the importance of saving for the future, I'm all about approaching your finances with balance. For me, financial wellness doesn't mean stashing away every penny at the expense of your happiness today. It's about feeling empowered to save for the future and still enjoying the finer things.

Still, it's easy to fall into bad habits and waste money without realizing it. Upsetting these patterns can put a good chunk of change back in your pocket. So read on for...

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Get Paid To Shop Online With These Cashback Apps

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I am fully on board with the online shopping trend...to a fault. I buy everything online: household goods, dog treats, workout gear, birthday gifts, wardrobe staples, and much, much more. Our recycling bin is consistently bursting with cardboard boxes. But there's a good reason for it! With an ecosystem of info at your fingertips, it is so much easier to compare prices, find deals and save money online than it is in-store. If you're like me and saving money excites and energizes you, then you have to know about these cashback apps. Because who doesn't want to get paid to shop online?

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