Money hacks for real people

Everyone loves a hack — an uncommon solution to a common problem. There’s a reason so much of the internet revolves around things like “This One Little Trick” and “The Secret Doctors Don’t Want You to Know.”

Sometimes money hacks evolve from details buried in the fine print. Wealthy people employ professionals who seek out financial loopholes and aggressively exploit them.

But not every hack requires an accountant. Some can spur you to save more money for retirement or help you to pay bills on time every time. In my latest for the Associated Press, do-it-yourself hacks to make life easier.

Tuesday’s need-to-know money news

Today’s top story: How to take the heat off your summer budget. Also in the news: How to find out if you’ll owe taxes on an inheritance, 3 things your student loan servicer might not tell you, and what happens to your credit score when you transfer a balance.

How to Take the Heat Off Your Summer Budget
Keep your costs in check.

Find Out If You’ll Owe Taxes on an Inheritance
Don’t spend all that money quite yet.

3 Things Your Student Loan Servicer Might Not Tell You
They’re not always forthcoming.

What Happens to Your Credit Score When You Transfer a Balance?
Looking at the numbers.

Monday’s need-to-know money news

Today’s top story: How to get a tax deduction for moving. Also in the news: Learning about penny stocks, how to deduct graduate school on your taxes, and how to find and purge unwanted recurring charges.

Moving for Work? How to Get a Tax Deduction
An unexpected housewarming gift.

What Is a Penny Stock? An Investment Most Should Avoid
Is it worth the risk?

Deduct Graduate School on Your Taxes? It’s Possible
Looking at the qualifications.

Find and Purge Unwanted Recurring Charges with This Virtual Assistant
Cancel those long-forgotten subscriptions.

Friday’s need-to-know money news

Today’s top story: NerdWallet’s best credit card tips for June. Also in the news: Why retirees shouldn’t shun the stock market, Americans are taking on more borrowing, and why early retirement isn’t as awesome as it sounds.

NerdWallet’s Best Credit Card Tips for June 2017
What to do with your plastic.

Why Retirees Shouldn’t Shun the Stock Market
Staying in the game.

As Americans take on more debt, some pockets of concern
Are we borrowing too much, too soon?

Why Early Retirement Isn’t as Awesome as It Sounds
The pros and cons.

Thursday’s need-to-know money news

Today’s top story: Stocks at a crossroads: 3 things to watch for in June. Also in the news: Why kids should stash summer job cash in a Roth IRA, millennials are stressed about their finances, and why now is the time to buy a used car.

Stocks at Crossroads: 3 Things to Watch for in June
Watching the market.

Why Kids Should Stash Summer Job Cash in a Roth IRA
It’s never too early to save for retirement.

Study: Millennials are stressing about their finances
Feeling worse off than their Baby Boomer parents.

Why Now Is the Time to Buy a Used Car
Getting the most for your money.

This money habit makes all the difference

Planning ahead is hard when you’re broke. But planning ahead may be the best way to stop being broke and start building a solid financial future.

People who have a strategy tend to save more money and be financially healthier than those who don’t, studies have found. In my latest for the Associated Press, why planning ahead is essential, even when you’re broke.

Wednesday’s need-to-know money news

Today’s top story: 7 ways to ready your finances for divorce. Also in the news: Tips for the Class of 2017, simplifying your savings, and how a credit union raised the roof on credit card rewards.

7 Ways to Ready Your Finances for Divorce
Preparing for a difficult time.

Class of 2017: Get a Jump on Adulthood With These 7 Tips
No more kidding around.

Simplifying Saving with the 52-Week Money Challenge
You can do it!

How a Credit Union Raised the Roof on Credit Card Rewards
A Chicago-based credit union is taking rewards to the next level.

Tuesday’s need-to-know money news

Today’s top story: Choosing between an FHA loan and a commercial mortgage. Also in the news: How to save for a secured credit card deposit, picking a first job based on your debt, and why more people aren’t borrowing home equity.

FHA Loan vs. Conventional Mortgage: Which Is Right for You?
Making the right choice.

How to Save Up for a Secured Credit Card Deposit
Establishing your credit.

Should I Pick My First Job Based on My Debt?

U.S. home equity is back, so why aren’t more people borrowing?
It’s still difficult to borrow.

Friday’s need-to-know money news

Today’s top story: How to gift stock to a new grad. Also in the news: Memorial Day weekend sales, what to do if you miss a financial goal, and why your 401(k) can be a cash drain.

How to Gift Stock to a New Grad
A gift for the future.

Making a Major Purchase? Wait for Memorial Day
But remember the real reason for Memorial Day.

If at First You Miss a Financial Goal, Try, Try Again
Don’t give up!

Why your 401(k) can be a cash drain
It’s possible to be “401(k) rich and cash poor.”

Thursday’s need-to-know money news

Today’s top story: Why stock pickers usually don’t beat the market. Also in the news: travel bloggers spill savings secrets, how to help your teen use their summer job earnings wisely, and some welcome news about college tuition.

3 Reasons Most Stock Pickers Don’t Beat the Market
A tough, tough job.

Travel Bloggers Spill Savings Secrets
Learning from the pros.

Help Your Teen Use Summer Job Earnings Wisely
Starting them off on the right path.

Finally, some welcome news about college tuition
The discounts are increasing.