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Is Working With a Travel Agent Worth The Time And Money?

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Whether you have a real passion for travel or you only pack your bags on occasion, there’s work involved in planning a trip. With Google at your fingertips, it’s easier than ever to make your own travel plans. But is “DIY” travel planning always the smartest (and most frugal) move? It makes good sense to […]

What Does It Mean To Self-Insure And Can It Save Me Money?

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When you’re working on getting your financial house in order, it can be overwhelming to consider all the different insurance products you can (and sometimes are required to) purchase. There’s insurance for your vehicle, your home, your cell phone, and your pet. Health, life, disability, and long-term care insurance are also important products to protect […]

What Is A Financial Mission Statement? Why And How Do I Create One?

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Staying focused on your financial goals can be difficult. You know what they are. And you know you’ll be better off if you stick to them. But you also have a lot going on in your life, and it can be hard to remain dedicated to something just floating around in your head. If you’re […]

What Are Sinking Funds and Are They Smart To Have?

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It can be overwhelming to learn how to manage your money and build a financially secure future. Paying down debt, budgeting, tracking expenses, saving an emergency fund, and opening investment accounts take patience and focus. You’ve made good progress some months, but sticking to a budget and saving money has been hard. Bills and expenses […]

Is A Money Market Account The Best Place For My Savings?

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You prioritized your financial savings goals, opened a high-interest savings account, and even automated deposits to build an emergency fund. But now you’re hearing you may earn more money on your money by putting it into a money market account. What the heck is a money market account? Is it a savings account or an […]

Why Is It Important For Women To Invest And Not Just Save?

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You hear about people not saving enough for retirement on the news. Oodles of articles report on women living longer than men and the struggle many women have with money in their later years. Family members, friends, and online communities mention the importance of women investing and they encourage you to get started. You know […]

Is Joining A Warehouse Club Worth the Money?

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Whether you want to stop living paycheck to paycheck, build up reserves in your emergency fund, or max out your 401k contributions, you need to save money to focus on your financial goals. With the average price of food rising about 2% over the last year and understanding that grocery and household purchases are a […]

How to Get Every Cent Worth of Your Amazon Prime Membership (But Not Spend Every Cent You Have)

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If you’ve ever bought anything online, chances are you’ve purchased something, at one time or another, from Amazon. Once limited to books and media back in 1994 when the now-famous Jeff Bezos founded it, Amazon currently sells, well, just about anything. So if you find yourself shopping regularly at Amazon, it can feel like a […]

Is My AAA Membership Worth the Money?

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This review was completed by Vicki, one of the co-founders of Women Who Money and Women’s Money Talk. She’s held a AAA membership on and off during the last 30 years. She is currently a Plus-level member with an add-on for her son who has a car at college six hours away from home. Whether […]

Is It Better To Sell Home By Owner Or Use Real Estate Agent?

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If you’re thinking about selling your home, you want to get the best price possible. Eliminating realtors’ commissions puts more money in your pocket. But does it make sense to sell your house without a realtor? Will it save you money in the long run? And how much work will it be? There are benefits […]

What Savings Goals Should I Focus On First?

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You’ve been working hard to cut expenses and quit living paycheck to paycheck. You negotiated a raise or landed a higher-paying job. Your side gig is creating a buffer in your budget. No matter the reason, it’s time to put the extra money in your bank account to work. But now you’ve got questions on […]

Raise.com Review 2019 – The Marketplace for Gift Cards

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The Women Who Money Team uses different cash back and coupon sites, along with a variety of apps to save money when we shop in-store and online. This review of Raise – an online gift card marketplace, was written by Vicki, co-founder of Women Who Money and founder of Make Smarter Decisions. She’s been using […]

Ready To Learn More About Managing Your Money? Start Here

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Is reducing debt and saving for the future on your to-do list? Then you’ve come to the right place. If you’re ready to start managing your money more effectively, check out our top five beginner articles on taking control of your personal finances. You’ll learn about breaking the cycle of living paycheck to paycheck. Also, […]

What Can I Do Now To Save Big On Next Summer’s Vacation?

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If you’re already thinking about your summer vacation amid this dreary winter weather, who can blame you? And if you’re thinking of using credit card travel rewards to book your summer trip, now is definitely a good time to start planning your vacation. How to Plan Your Summer Vacation with Travel Rewards First, you need […]

What Is A Certificate Of Deposit And How Do CD Ladders Work?

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Savings of any kind is an absolute necessity to help you deal with unexpected emergencies and have money available for future spending needs and wants. While savings accounts are great, you might want to earn more interest than you do on your savings account. If you’re hesitant to invest extra savings in real estate or […]

What Are The Best Ways To Save For College?

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The growing cost of college for our children can be downright overwhelming. Many parents are still paying off their own student loan debt. So thinking about the best ways to save for their kids’ college often gets delayed. College costs in the US have steeply increased over the past few decades. From 1985 to 2011, the […]

How Can I Save Money On Prescription Medications?

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According to the Kaiser Family Foundation, well over 4 billion retail prescription drugs were filled at pharmacies in the United States in 2017. If you’re generally healthy, have good insurance, and only need to fill a prescription a few times a year (or less), you may not worry about how to save money on prescription medications. […]

How Can I Optimize Holiday Shopping For Savings And Rewards?

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It’s that time of year again! The time when most of us get our credit cards out and spend more than we usually do. Holiday shopping is so much more than just buying gifts though – think about the amount of money you spend on groceries for the holidays! If you’ve ever hosted a Thanksgiving […]

What Is The Best Way To Budget For A New Pet?

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Furry friends bring so much love to your house, but just like new human babies, they also carry additional expense. Before you decide to bring one home, you need to know how to prepare your budget for a new pet. Let’s dive into some of the costs you’re likely to encounter, and how can you save on […]

Is It Smart To Use A HELOC As An Emergency Fund?

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If you’re lucky, you go about life without facing too many events you’d call true emergencies. But even the most “glass half-full” adults understand the phrase hoping for the best has an important ending…preparing for the worst. For many people, that preparation involves saving at least 3-6 months of expenses in an emergency fund, maybe […]