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.

Wednesday’s need-to-know money news

Today’s top story: Costly subprime credit cards offer little help. Also in the news: Take charge of your credit score with your credit report, why you should consider a mortgage recast, and four ways to manage your credit card debt.

Costly Subprime Credit Cards Offer Little Help, NerdWallet Study Finds
Just digging a deeper hole.

If You Want a Good Credit Score, Read Your Credit Reports
Studying up.

Why You Should Consider a Mortgage Recast
Save on your monthly payment.

4 ways to manage your credit card debt
Getting it under control.

Friday’s need-to-know money news

Today’s top story: What to do when your credit card issuer blindsides you. Also in the news: Watching for snags with free money offers, rock-solid tips for buying a diamond online, and how to make a grab for $150,000 in college scholarships.

What to Do When Your Credit Card Issuer Blindsides You
Expect the unexpected.

Free-Money Offers Can Be Alluring, but Watch for Snags
What to consider before signing up.

Rock-Solid Tips for Buying a Diamond Online
Getting the most for your money.

Need money for college? Here’s how to make a grab for $150,000 in scholarships.
Every bit helps.

Thursday’s need-to-know money news

Today’s top story: 5 things your credit reports won’t reveal. Also in the news: More credit card issuers are letting you pay off debt for free, everything you need to know about mortgage loan modifications, and how to stay debt-free during back-to-school shopping.

5 Things Your Credit Reports Won’t Reveal
What’s missing from your credit report.

More Credit Card Issuers Let You Pay Off Debt for Free
It’s never been easier to transfer balances.

All You Need to Know About Mortgage Loan Modifications
Modifications could help prevent foreclosure.

How to Stay Debt-Free During the Back-to-School Shopping Rush
Tips for getting it done.