The Modern Wallet Blog

To Pay Down Debt, First You Have to Save

When you want to pay off debt fast, that impulse often means depleting your savings.

Family Finances: The Importance of Keeping Everyone Informed

Who pays all the bills, files the joint taxes, deals with insurance matters, and knows where all the important papers are saved?

All You Need To Know About Home Loans

If you’re in the market for a new home, you’ll likely need to take out a home loan or mortgage.

Student Loan Scams

Here’s what you need to know about three popular student loan scams.

All You Need to Know About Buying a Used Car

If you’re in the market for a deal on used wheels, follow these steps for a smoother ride!

Bad Money Habits and How to Fix Them

The peace of mind a healthy financial status brings is priceless.

5 Ways To Pay Off A Loan Early

If you’re like most Americans, you owe money on a large loan. 

How To Talk Money With Your Partner

What happens when you and your partner have different approaches toward money?

It's a common scenario.

Saving on Home Renovations

Is your home in desperate need of a facelift? With some careful planning, you can shave thousands of dollars off the price tag.

 

Saving Money When There's Not Much to Save

Life is easier if you have a cash cushion or an emergency fund, but how do you save when there is not much fat in your budget?

Beware of Blackmailing Scams!

Blackmail and extortion are some of the oldest tricks in the book — because they work.

How Many Credit Cards Should I Own?

Is several credit cards and more available credit a good idea? Or, are too many cards a liability to your score? 

Should I Be Concerned About Rising Mortgage Rates?

On June 13, the Federal Funds Target rate was increased for the second time in 2018. What does this mean for you? If you’re a homeowner, should you be taking any action now? 

Don't Get Caught in a Free Trial Scam!

You know what they say: “If it’s too good to be true, it probably isn’t.” And yet, dozens of people fall for scams that promise them the moon — and they don’t realize they’ve been played until it’s too late.

What Can I Do About Robocalls?

Are you sick of grabbing your ringing phone only to find a robocaller on the other end? Those automatic calls are enough to make anyone go bonkers. Read on for the inside scoop on robocalls and what you can do about them.

7 Questions to ask Yourself Before Making a Large Purchase

You’re convinced: You really want that Coach handbag. Or maybe you just know that gigantic entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. You’re thrilled! 

Smishing Scams

Text messaging has come under attack as one of the most vulnerable mediums for identity theft and more. Here’s what you need to know about an SMS message-based scam called “smishing.” 

Debit Card Safety

How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. 

Don't Drink Your Wallet Dry!

You probably already know water is the best beverage choice for your health and for your money. But did you know bottled water may be costing you a fortune? 

6 Ways To Turn Your Dream Vacation Into a Reality

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true.

Saving on Mother's Day

Here’s some low-cost ways to show Mom how much you care.

Beware of Social Media Scams!

Over the last few years, social media scams have exploded, with fake Twitter and Facebook profiles increasing by 100% in just one year. That also means there are several types of social media scams, most which involve a phishing scheme component.

How to Fund an Emergency

Q: I’ve had a financial emergency and I don’t know how to pay for it! What are my options? 

A: Ideally, you’ll want to have an emergency fund in place. If you don’t, consider these options… 

7 Ways To Spring Clean For Extra Cash

When that first delightful spring breeze starts blowing, you know it’s time to get your house in shape. But there’s more than just a neat house awaiting the end of all that hard work. With just a few steps, you can put some extra cash in your wallet. 

Rising Interest Rates

Interest rates have been steadily increasing over the last year. So, if you’re thinking of taking out a large loan in the near future, you might be waiting until those rates start going down again. 

Here’s why that might not be the best idea. 

How To Use The Money Envelope System

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again.

6 Common Tax Mistakes To Avoid

It’s that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms and pay stubs, and get to work.

How to Shop Smarter at the Grocery Store

These tips will help you save big the next time you go grocery shopping!

Phone Cloning and Digital Self Defense

Did you know it’s possible to clone a phone? It involves copying the identity of one phone to another. In fact, in today’s digital world, when we use them for everything from ordering an Uber to paying for purchases, mobile phones can be a major source of security breaches. And as frightening as it sounds, the only thing a hacker needs to launch a major attack is your phone number.

10 Tax Scams to Avoid

The IRS often warns consumers about tax scams this time of year. While it's important to be vigilant as you work with your tax preparer or do your own yearly tax filing, watch out for many of these scams that happen year-round. If you come across any of these, consider it a red flag.

The Dos And Don'ts Of Credit Repair

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score.

Updates On The Equifax Breach

It’s been several weeks since the massive Equifax data breach became public knowledge. While there are still more questions than answers, lots of factors have been clarified. 

Beware Of Phishing Scams!

There has been a recent upsurge in phishing scams involving credit union brands.  In all phishing scams, the scammer poses as a legitimate business or service provider where the victim may have familiarity. In this case, they claim to represent your credit union.

Creative Ways To Save On Energy Costs

We’ve all heard it before: Close the vents in rooms you don’t use, regularly replace your AC filters and vacuum the coils on your fridge. But what if you’re following all the conventional energy-saving tips and your summertime electricity bill is still astronomical?

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