A Beginner's Guide to Investing Like a Pro | ModMoney

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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 | ModMoney

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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 When You Shop Online With Ebates | ModMoney

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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 adds, 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, Ebates is an app you...

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How to Choose the Perfect Credit Card | ModMoney

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Choosing the right credit card can be overwhelming, to say the least. With a Cheesecake Factory-length menu of options, the hardest part is just knowing where to start. So first things first, where do you spend most of your money? Understanding your spending persona will narrow the universe of card choices and lead you to one that fits your lifestyle. Whether you're a traveler or a student, a credit card novice or an online shopper, there's a card tailored to fit your needs. So consider this post your go-to resource for a curated collection of the best. Here are my featured card picks for every...

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Opening a Credit Card Can Actually Help Your Credit Score | ModMoney

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Most of us are skeptical when credit card companies overflow our mailboxes with promised perks and bonuses. “Sign up for this card and receive a 50,000-point bonus!" "Apply now and get your first year’s fee waived!” (As if we don’t already get enough mailers for discounted pizza pies and cleaning supplies.) But let’s get back to the core question. Should we really be adding new plastic to our wallets? The reality is, opening a new credit card that fits your lifestyle can actually be a good thing. Here’s why.

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5 Things to Know About Your 401(k) | ModMoney

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Saving for retirement can be a daunting and seemingly faraway concept for a young professional. After all, we're all navigating through busy lives and other more immediate obligations. Still, it's important to start saving early (here is the reason why), and a retirement account like a 401(k) is a compelling option. These are the 5 things you need to understand about your 401(k) to find the right balance between saving for your future AND preparing for short-term needs. Like paying off those student loans. Or...

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Wedding on a Budget | ModMoney

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Many of us grow up envisioning a lavish and dreamy wedding. But our budgets don’t always align to our childhood visions. According to a survey by The Knot, the average wedding costs over $35,000! If your budget doesn't align with that data point, you're not alone. You can still plan the wedding of your dreams with limited resources. I’ve taken lots of mental notes on the tips I learned to fit my wedding to my wallet, and I'm so excited to share them here.

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Uber Visa Local Offers | ModMoney

It's no secret that Uber is a force to be reckoned with in the rideshare industry. While the company has faced backlash from traditional cab companies, riders just can't get enough of the streamlined app, friendly drivers, and effortless transport from Point A to Point B. Not to mention the playful banter that comes with friends comparing their Uber ratings. Between Uber's transportation and food delivery services, the company certainly deserves its own line item on my personal budget. If you can relate, then you don't want to miss this little life hack called Visa Local Offers.

January 2018 Update: The Whole Foods Cash Back Percentage dropped to 5% from 10%.

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Money-Saving Secrets  | ModMoney

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It's been a long and toasty summer down here in Austin, which means plenty of time indoors for this girl. You know how it goes: gallons of iced mint tea, quarts of frozen yogurt, and hours of downtime to explore new money-saving apps for my readers. One of my discoveries is just too good not to share in its own post. It's a breeze to implement into your spending routine and will save you money on everyday purchases. At the risk of sounding dramatic, it has completely changed the way I shop and pay bills.

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Real-World Money Tips for New College Grads

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School's out for the summer! Instagram is overflowing with caps, gowns, diplomas, and celebrations as adrenaline flows through this year's college grads. It's an exciting time for rising young professionals, but many will face a reality check. Sure, graduating comes with a level of freedom and opportunity. But it also introduces the responsibility of navigating an adult world that looks a whole lot different. As you manage your money independently (perhaps for the first time), it's important to have a guide that will keep you grounded. These real world money tips will set you up to reach those...

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Meet Erica

Erica is an Austin local, Duke grad, and creator of ModMoney, a platform bringing a fresh perspective to personal finance. She believes financial health is an important part of living well and hopes to empower others to make informed, proactive choices with their money. Find out more.

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