saving

CIT Savings Builder: Is It A Good High-Interest Option?

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It’s been more than a year since I opened high-yield savings account online with Ally. After earning .01% APY on savings in my hometown bank and .10% APY from my credit union for decades, I’m finally making more money on my savings. If you haven’t taken time to compare your bank’s interest rates (and fees!) […]

Federal Funds Rate: What Is It And How Does It Affect You?

You might have heard of the Federal Reserve and the terms federal funds rate, and discount rate. But what do they mean? And more importantly, how do they affect you? The short answers are: The Federal Reserve is the central bank system providing financial services to banks and government entities. It does not provide services […]

What Is Tax-Loss Harvesting And How Can It Save You Money?

There are many facets to investing. One thing all investors will not want to overlook is the tax consequences that come with being a successful investor. Because all net profits made from investments sold in taxable brokerage accounts come with tax liability, your investment strategy should consider the consequences. To reduce tax liability, a strategy […]

Important Financial Rules of Thumb: What To Know [And Ignore]?

From a financial perspective, living today and planning for the future are difficult tasks. It takes work to figure out how to allocate our earnings both for our current needs and for investing in our futures, including retirement. Luckily, we can learn a lot from all those who’ve already done it. If we follow some […]

How Does Groupon Work? [Will It Save Me Money?]

Whether you’re trying to stick to a budget, top off a sinking fund, or put money toward another savings goal, you always look for deals and new ways to save money. You’ve heard of Groupon but you’re not sure how it works. You also wonder if it will really save you money or if the […]

What Is The Difference Between Needs And Wants? [& How Do I Afford Both?]

One of the most common pieces of financial advice is to focus on needs instead of wants. Knowing how to prioritize your needs over your wants truly is an effective starting point. But to take that first step, you need to know the difference between needs and wants. In this guide, you’ll learn how to […]

Can I Save For Retirement While Helping My Kids & Parents?

If you’ve asked yourself how you’ll save for retirement while also financially helping your kids and parents, you’re not alone. A few years ago, the Pew Research Center reported that almost half of all adults in their 40’s or 50’s were either raising a child or supporting a grown child, while also helping a parent […]

Costco Optical Center Review: Can You Trust Your Vision To Costco?

You might know Costco as a membership warehouse club, providing brand-name, quality merchandise at favorable prices. But you might not realize all the specialty departments and exclusive member services, they provide at hundreds of locations worldwide. In this article, we’ll be describing and reviewing Costco’s Optical Department. While you do not need to be a member […]

ALDI Review: Is This Discount Grocery Store Worth Your Time?

Shopping at ALDI discount grocery stores can definitely save you money. And their products get solid reviews. Let’s see if the savings is worth your time? The Women Who Money Team loves to save money shopping! We use cashback sites like BeFrugal, along with a variety of apps such as Ibotta to save money when […]

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

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?

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?

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?

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 Your Savings?

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?

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?

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)

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 […]

Are AAA Memberships Worth The Money?

Whether you own a new or used vehicle, there’s always a chance of having car trouble. It could be a dead battery preventing you from getting to work or a flat tire on your way home. You might lock your keys in the car, run out of gas in a traffic jam, or slide off […]

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

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 […]

How Can I Teach My Kids About Money?

We all want to raise kids who are happy, well adjusted, and, let’s face it – financially successful. But if you haven’t got your own financial life sorted out just yet, how do you make sure to teach kids smart money habits? T. Rowe Price, the popular investment firm, surveyed over 1,000 parents and adults and […]

How Can I Stop Living Paycheck to Paycheck And Start Saving?

You’re not alone, but being part of this crowd isn’t comforting. And it makes sense when you look at the statistics. Just a few years ago, about 60% of Americans reported having less than $1,000 in savings. And a full 20% admit they had nothing saved at all. Let those numbers sink in. More than 3 […]

What Savings Goals Should I Focus On First?

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

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

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 beginner articles on taking control of your personal finances. You’ll learn about breaking the cycle of living paycheck to paycheck. Also, find […]

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

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 […]

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CIT Savings Builder: Is It A Good High-Interest Option?

Federal Funds Rate: What Is It And How Does It Affect You?

What Is Tax-Loss Harvesting And How Can It Save You Money?

Important Financial Rules of Thumb: What To Know [And Ignore]?

How Does Groupon Work? [Will It Save Me Money?]

What Is The Difference Between Needs And Wants? [& How Do I Afford Both?]

Can I Save For Retirement While Helping My Kids & Parents?

Costco Optical Center Review: Can You Trust Your Vision To Costco?

ALDI Review: Is This Discount Grocery Store Worth Your Time?

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

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

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

What Are Sinking Funds and Are They Smart To Have?

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

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

Is Joining A Warehouse Club Worth the Money?

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

Are AAA Memberships Worth The Money?

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

How Can I Teach My Kids About Money?

How Can I Stop Living Paycheck to Paycheck And Start Saving?

What Savings Goals Should I Focus On First?

Raise.com Review 2019 – The Marketplace for Gift Cards

Ready To Learn More About Managing Your Money? Start Here

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

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