How Saving Works

  • What is CD Laddering?
  • How do CDs work?
  • How Online Savings Accounts Work
  • How do money market accounts work?
more on saving
How Investment Diversification Works

Investing may seem complicated, but there are ways to build your portfolio while minimizing risk. What's the best plan for diversifying your investments?

How much money do I really need to live?

Maybe keeping up with the Joneses is running you into the poorhouse. But will cutting out your luxuries make your friends think you're in dire straits?

How Personal Budgets Work

Financial planners will tell you that creating your own personal budget is a great way to help you find your way out of debt. How hard is it to write a budget and stick to it?

10 Tips for Staying on Budget

You have a big expense coming up. You need a better car or home, or you want to go back to college. What do you do? Borrow, borrow, borrow -- right? Well, maybe not. Working off of a budget just may save your sanity -- and credit.

10 Tips for Saving Money in College

College can be an expensive endeavor, even with scholarships and other kinds of financial aid. However, there are ways to save. From buying used textbooks to choosing the right campus meal plan, here are a few tips. And don't forget to apply for thos

How do bonds work?

People buy bonds as investments, similar to buying stocks. The difference, though, is that bonds are much less risky than stocks. And, while both can be traded, bonds usually earn less money than stocks do.

How Discretionary Expenses Work

Trendy clothes. Daily Starbucks coffee. All the newest CDs. In budgeting, these common spending habits are identified as discretionary expenses. Discretionary expenses can be a reward, or they can wreck your budget. So what's your weakness?

How Flex Funds Work

With taxes and medical expenses increasing, it isn't hard for U.S. workers to get discouraged. Nothing is more frustrating than working hard all year, just to have the government and the pharmacy take your money. But flex funds may help you save.

How Putting Together an Emergency Fund Works

Losing a job can put a person in the poor house. An emergency fund can prepare you for a disaster, keep you out of financial hot water, and get you back on your feet sooner.

How to Make a Million Dollars

The Economist reported there were 10 million millionaires in the world in 2011 -- a record number. Want to be one, too? Researchers have found quite a few common traits that most millionaires possess.

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Top 10 Ways to Lower Your Financial Stress

Money woes can take a toll on your health and relationships. But the good news is that there are things you can do to lower your financial stress right now. Take a deep breath, slow down and check out our list.


Dollars and Sense: Bank Challenge Quiz


Banks have come under scrutiny with the tumultuous economy -- they do much more than just hold on to your money for you. Take the quiz and see if you know how banks really work.

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