Thursday’s need-to-know money news

Credit report with score on a desk

Today’s top story: How ‘Pay for Delete’ might help your credit – if you’re lucky. Also in the news: 19 less-obvious wedding costs to bake into your budget, why financial advice is still important regardless of your income, and how to make sure you’re not going to an Equifax phishing site.

‘Pay for Delete’ Might Help Your Credit — If You’re Lucky
Negotiating with a creditor.

19 Less-Obvious Wedding Costs to Bake Into Your Budget
Budgeting the entire package.

Not Made of Money? Financial Advice Is Still for You
You don’t need to be to rich.

Make Sure You’re Not Going to an Equifax Phishing Site
Don’t make matters worse.

Tuesday’s need-to-know money news

teen-creditToday’s top story: What to know about cash-back shopping websites. Also in the news: Tips to slash unnecessary monthly expenses, what you need to know about online bill pay, and the factors that affect your credit card’s interest rate.

What to Know About Cash-Back Shopping Sites
Getting rewarded for shopping!

4 Tips to Slash Unnecessary Monthly Expenses
Cutting out the fat.

Online Bill Pay: What It Is and Why You Should Use It
Making your bill paying life easier.

The Factors That Affect Your Credit Card’s Interest Rate and How to Tell If Yours Is Too High
What’s driving your rate?

Thursday’s need-to-know money news

common-retirement-mistakesToday’s top story: 5 expenses that will change when you retire. Also in the news: Questions for credit counselors, how to budget for a wedding that isn’t your own, and could we be on the verge of another housing crisis?

5 Expenses That Will Change in Retirement
Could you see more cash in your wallet?

7 Questions to Ask a Credit Counselor
Be prepared.

How to budget for a wedding — that’s not your own
Expenses add up quickly.

Are We Heading for Another Housing Crisis?
It’s getting easier to get a mortgage amid increasing home prices.

Friday’s need-to-know money news

indexToday’s top story: The lies we tell to save a little money. Also in the news: The danger of confusing personal and business expenses on your taxes, how $1,000 invested at birth could be a game changer, and five changes you need to know about this year’s taxes.

Survey: Men, Students, Parents Among Those Most Likely to Say Money Lies Are OK
The lies we tell to save a little cash.

Confusing Personal With Business On Your Taxes Can Mean IRS Penalties Or Jail
Be careful where you list those deductions.

How $1,000 Invested at Birth Could Change Everything
Could “KidSave” accounts be the answer to retirement nest eggs?

5 Changes You Must Know About Before Filing Your Taxes This Year
More than just the filing date has changed.

Automatic payments for charity: pros and cons

Dear Liz: You recently suggested people consider putting their charitable donations on automatic. While I have automatic deductions for savings because I do not want to constantly remind myself to do it, I want to remind myself of all other expenses. For me, prudent money management requires attention to all expenses. Your thoughts?

Answer: Many people find that automatic payments make their lives easier. They’re able to meet their obligations (and avoid late fees, in the case of bill payments) while minimizing time spent in repetitive tasks each month.

But none of your expenses should be “out of sight, out of mind.” Automatic payments don’t eliminate the need to carefully review your credit card and bank transactions each month. Reviewing your bills periodically, and making adjustments as necessary, is an important part of responsible money management regardless of whether you take advantage of automatic transfers.