Thursday’s need-to-know money news

Today’s top story: Why a rainy day fund is as crucial as emergency savings. Also in the news: How to deal with a credit card issuer who has you seeing red, how to make money on Upwork, and 5 personal finance tips from billionaires.

Rainy Day Fund Is as Crucial as Emergency Savings
Handling all levels of crises.

Credit Card Issuer Got You Seeing Red? Try These Tips
Demanding answers.

New Freelancers: How to Make Money on Upwork
Earning some pocket money.

5 Personal Finance Tips From Billionaires
Learning from the best.

Wednesday’s need-to-know money news

Today’s top story: Crush impulse buying with these 4 Jedi mind tricks. Also in the news: 4 ways to make money as a college student, how and why to place a fraud alert on your credit lines, and what to do if you’ve lowballed yourself into a crummy salary.

Crush Impulse Buying With These 4 Jedi Mind Tricks
Buy this you won’t.

4 Ways to Make Money as a College Student
So you’re not stuck with ramen.

How to Place a Fraud Alert on Your Credit, and Why
Monitoring your credit lines.

How to Negotiate After You’ve Lowballed Yourself Into a Crummy Salary
Don’t accept less than you’re worth.

Tuesday’s need-to-know money news

Today’s top story: 5 mobile banking alerts to help you fight fraud. Also in the news: What to do if you can’t replay your SBA loan, 7 habits of highly effective credit card users, and the worst cities for record high ATM fees.

5 Mobile Banking Alerts to Help You Fight Fraud
Using your phone to protect your money.

What to Do If You Can’t Pay Back Your SBA Loan

7 Habits of Highly Effective Credit Card Users

$5 to access your own money? ATM fees jump to record high and these cities are the worst

Monday’s need-to-know money news

Today’s top story: You could be overspending with credit cards. Yes, you. Also in the news: Your excuses for not contributing to a 401(k) are dwindling, which is the best way for you to zap your debt, and how millennials can prepare for the next financial crisis.

You Could Be Overspending With Credit Cards. Yes, You.
Keeping your spending in check.

Your Excuses for Not Contributing to a 401(k) Are Dwindling
No more excuses.

Different Ways to Zap Your Debt: Which Is for You?
Finding the best way to conquer your debt.

How millennials can prepare for the next financial crisis
Preparing for the inevitable.

Friday’s need-to-know money news

Today’s top story: Helping after a disaster: will your insurance protect you? Also in the news: How to prevent credit card photo-bombs on your social media, Millennials are falling for young stocks, and how to lift or cancel a credit freeze.

Helping After a Disaster: Will Your Insurance Protect You?
What you need to know.

Prevent Credit Card Photo-Bombs on Your Social Media
Don’t overshare.

Millennials Are Falling for Young Stocks. Will It End in Tears?
Picking trendy stocks?

How to Lift or Cancel a Credit Freeze
Important info post-Equifax breach.

Wednesday’s need-to-know money news

Today’s top story: How a public adjuster can help with hurricane insurance claims. Also in the news: How to choose a student credit card, how millennials got a 6-figure start on retirement saving, and Equifax is waiving their credit-freeze fees.

How to Choose a Student Credit Card
Finding the right card for you.

How a Public Adjuster Can Help With Hurricane Insurance Claims
You don’t have to go it alone.

How Millennials Got a 6-Figure Start on Retirement Saving
Already ahead of the game.

Equifax Is Waiving Their Credit-Freeze Fees for 30 Days
How kind.

Thursday’s need-to-know money news

Today’s top story: Americans favor debit over credit for their go-to card. Also in the news: How to choose a cash-back credit card, how to get an SBA disaster loan for your business, and the costly mistake people make when using debit cards.

Americans Favor Debit Over Credit for Their Go-To Card
The results are in.

How to Choose a Cash-Back Credit Card
What you should look for.

How to Get an SBA Disaster Loan for Your Business
Help after Harvey.

One-quarter of people make this costly mistake when using debit cards
Are you one of them?

Friday’s need-to-know money news

Today’s top story: Wells Fargo reveals wider abuses. Are you owed money? Also in the news: How to handle credit card bills in an emergency, how much cash do you carry, and a student is accidentally given $1M in financial aid, spends thousands.

Wells Fargo Reveals Wider Abuses: Are You Owed Money?
The scandal widens.

How to Handle Credit Card Bills During an Emergency
What you need to know.

How Much Cash Do You Carry? See How You Compare
A wallet full of cash? Or cards only?

Student accidentally given $1M in financial aid, spends thousands
What could possibly go wrong?

Thursday’s need-to-know money news

Today’s top story: NerdWallet’s best credit card tips for September. Also in the news: The pros and cons of adjustable rate mortgages, how to start working odd jobs at TaskRabbit, and watching out for penalty APRs if you miss a credit card payment.

NerdWallet’s Best Credit Card Tips for September 2017
Finding the best offers.

Adjustable-Rate Mortgages: The Pros and Cons
Know what you’re getting into.

How to Start Working Odd Jobs at TaskRabbit
Starting a side hustle.

Watch Out for Penalty APRs If You Miss a Credit Card Payment
Your interest rate can increase dramatically.

Q&A: An Internet search isn’t the best way to find a credit counselor

Dear Liz: You’ve mentioned finding a nonprofit credit counselor and I was wondering the best way to go about that without feeling like I’ve been scammed. I’m wise enough (in my later years) to know that “nonprofit” does not mean free or even cheap services, so I didn’t want to just search for “nonprofit credit counseling, McKinney Texas.” Suggestions? Or should I do just that?

Answer: You can find a nonprofit credit counseling organization in your area using the National Foundation for Credit Counseling site at www.nfcc.org. NFCC is the oldest and largest credit counseling organization. Member organizations provide a variety of free and low-cost services. Those include financial education, credit report reviews and counseling about credit and debt, bankruptcy, foreclosure prevention, housing and reverse mortgages. If you’re struggling with credit card debt, these agencies provide debt management plans that can allow you to pay off your accounts at lower interest rates.

If you think you may need a debt management plan, you may also want to consult with a bankruptcy attorney. You can get referrals from the National Assn. of Consumer Bankruptcy Attorneys at www.nacba.org. Credit counselors — and their clients — are sometimes too optimistic about people’s ability to pay off debt, so you should understand the advantages and disadvantages of bankruptcy before you commit.