Bitcoin US$ 81,658Ethereum US$ 2,397EUR/USD 1.122GBP/USD 1.333USD/BRL 5.05Bitcoin US$ 81,658Ethereum US$ 2,397EUR/USD 1.122GBP/USD 1.333USD/BRL 5.05

Michael Chen

personal_finance

Michael Chen writes about personal finance fundamentals. Bay Area-based · finance enthusiast for 15 years.

Visual representation of the voice · not a photographic portrait

Artigos

Utility Bills Spike in Winter? Build a 12-Month BudgetHigher Credit Limit, No Hard Pull: How to Ask the Right WayWhere to Keep Your Emergency Fund So It's Safe and ReadyHow to Calculate Your Net Worth Before You Start InvestingIrregular Income? Budget Off Your Lowest Month, Not AverageIrregular Income? Pay Yourself a Steady Salary in 5 StepsShould You Turn On Dividend Reinvestment in Your Index Fund?Sinking Funds: How to Pay for Seasonal Bills Without PanicSavings Rate Without the Employer Match: The Honest MathRetirement Savings Target: Start From Your Monthly ExpensesDebt Avalanche Method: A Step-by-Step Plan With Real NumbersGot a Windfall? Rebuild Your Budget Before You Spend ItHow Much Should You Have Saved for Retirement at Your Age?Credit Utilization: How to Lower It Without Closing CardsPending Transactions Throwing Off Your Budget? Fix It FastBig Purchase on a Credit Card? Keep Your Score From DippingWinter Utility Spikes: A Sinking Fund Plan That WorksEmergency Fund in High-Yield Savings: 7 Rules Before MovingCredit Card Debt and a Mortgage: What to Pay Down FirstInvestment Fees: How to Add Them Up and See the 30-Year CostAnnual Renewals Wrecking Your Budget? Use a Sinking FundSave $500 a Month Without a Budget App: The Autopilot PlanInvesting $500 a Month in Index Funds: A Simple SetupGet Out of Debt: A 7-Step Plan That Starts With One ListShopping at 3 Grocery Stores? One Budget That Holds UpUse Credit Card Rewards to Cut Your Monthly Bills DownCredit Card Debt and No Savings? Do These Steps in OrderSubscription Audit: Find and Cancel Wasted Monthly ChargesHow to Build a Pet Emergency Fund Without Raiding SavingsHow Much to Save for Retirement When Prices Keep RisingGot a Debt Settlement Offer? What to Do Before You PayRebuild Credit After Bankruptcy or Foreclosure: 5 StepsCredit Card Debt on Leave: Act Before You Fall BehindStop the Big Tax Refund: Fix Your W-4 and Get Paid MonthlySplitting a Joint Bank Account in Divorce: Avoid Fee TrapsClosed Credit Card Hurting Your Score? What to Do FirstPet Budget Plan: Cover Vet Bills and Keep Saving Every MonthCut AC Costs by 20%: 7 Simple Hacks for Lower BillsMutual Funds vs ETFs for Retirement: How to Pick in 4 StepsHow to Pay Off Debt While Dealing With Unexpected Medical BillsUsed Your Emergency Fund? How to Fix Your Budget AfterwardRebalance Your Index Funds Without Creating a Tax BillCut $300 a Month Without Giving Up the Things You LoveHow to Save a $1,000 Emergency Fund on a Low IncomeFirst Index Fund: 4 Checks Before You Put In a Single DollarPay Off Debt Without Hurting Your Credit: A 5-Step OrderHow to Budget for Annual Expenses Using a Monthly Sinking FundMoving to a New State? Resize Your Emergency Fund FirstRetirement Savings Target: The Annual Expenses MethodWaiting on Debt Settlement? What to Do With Your Cards NowHow to Pick Your First Total Stock Market Index FundPay Off Credit Card Debt and Protect Your Credit ScoreHow to Audit Your Cell Phone Plan to Cut Monthly Expenses FastKeep Your Emergency Fund Separate From Checking: 5 StepsHow to Pay Off Credit Card Debt While Building an Emergency FundNew Job Budget: Survive the Gap Before Your First PaycheckBank Fee Audit: Find Hidden Charges and Ask for RefundsSolo Living Budget: 5 Steps to Save Money FastEmergency Fund Without a New Bank Account: 6 Simple WaysSelling Index Funds? How Capital Gains Tax Is Calculated