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☆ 3 strategies to help give your finances a much-needed reboot this year, according to a financial expert
▼ + stars: | 2023-01-26 | by ( Christine Mui | Jason Stauffer | ) www.cnbc.com time to read: +10 min

Welcome back to Money Made Easy, where we focus on simple ways to manage your finances and save money. Plus, qualified borrowers can apply for up to $100,000, and this lender doesn't charge an origination fee, early payoff fee, or late fee. For short-term financial goals, high-yield savings accounts can help you grow your money by earning a much better return than a traditional savings account. Automating your transfers to a savings account can help this process, making it easier and helping you know that you're continuously growing your account. Find the best savings account for you: Help your money grow by finding the savings account that offers the best rates and features for you.

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☆ Interest rates are high. Here’s a relatively safe way to squeeze more from your cash
▼ + stars: | 2023-01-25 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

Be aware that money market accounts offered by a bank are subject to protection from the Federal Deposit Insurance Corp. This isn't the case with money market funds, which can't guarantee that you won't lose money. When shopping for a money market fund, look for offerings that hold high quality underlying investments, and be sure to keep an eye out for fees. Money market funds that Lawrence likes include the Federated Hermes Prime Cash Obligations Fund (PCOXX) and the Fidelity Tax-Exempt Money Market Fund Premium Class (FZEXX). Unless they're tax exempt, money market fund income is subject to federal, state and local taxes.

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☆ 4 key money moves in an uncertain economy, according to financial advisors
▼ + stars: | 2023-01-17 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

In some cases, it used to make financial sense to tap cheap credit for a larger purchase, rather than withdrawing money from a savings or investment account. If you currently have credit card debt, "grab one of the zero-percent or low-rate balance transfer offers," McBride advised. Put your cash to workOnce you've paid down debt, Peters recommends setting some money aside in separate savings account for emergency expenses. "Online savings accounts can be a way to earn money in times when other investments may not be returning well," he said. "It's not a huge return but you are not going to lose your money," he said.

You can also get a rewards credit card to get cash back or travel miles on everything you buy. Capital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. The Capital One Venture X Rewards Credit Card is one of the more affordable cards in this category. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. There are many types of coverage you can get with credit card travel insurance.

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On the bright side, the very same rate hikes have resulted in much higher yields on savings accounts. How to pick between high-yield savings accounts and CDsHigh-yield savings accounts High-yield savings accounts grant you the advantages of accessibility and liquidity. When it makes sense, you can always combine high-yield savings accounts and CDs to maximize your down payment saving strategy. You get the best of both worlds — the flexibility of a high-yield savings account and the security of a CD. Fortunately, savings rates have also increased, making it a little easier to save for a down payment.

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☆ Debt bomb, biotech bump and a bond rally: 2023 money predictions
▼ + stars: | 2023-01-12 | by ( Chris Taylor | ) www.reuters.com time to read: +5 min

What does 2023 hold for investors? Prediction: Debt bombSarah NewcombSarah Newcomb, director of financial psychology at Morningstar“I’m concerned about the lack of saving in America as a whole. We had a moment of higher savings rates when the pandemic first hit, and people realized they needed to be prepared for anything. The optimism of these entrepreneurs for continued growth in the new year points to resilience amid some tough financial decisions they’ll likely make in 2023. “For instance, we expect to see a rise in debt consolidation as business owners look to combat the rate environment.

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☆ Here are 3 money moves you should make at the start of the year, financial experts say
▼ + stars: | 2023-01-09 | by ( Annie Nova | ) www.cnbc.com time to read: +3 min

One of the revelations that will likely come in 2023 is that you're largely the same person as last year. Here are three of the most important actions to take now (and at the start of every year), financial experts say:1. Update your budget"The new year is a chance to reflect and start fresh," said Brian Bender, head of Schwab Retirement Plan Services. 2. Review your emergency savingsHaving a solid emergency savings account is one of the best ways to sleep soundly at night, said Cristina Guglielmetti, president of Future Perfect Planning in Brooklyn. watch nowShe recommends keeping the cash in a high-yield savings account.

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