Yahoo Home Michelle Lambright Black
Michelle is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products. Michelle's work has appeared in publications such as Reader's Digest, Parents, Experian, FICO, Forbes, Money, Bankrate, Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She is a two-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book.
Yahoo Personal Finance5 smart ways to use a high-yield savings account
High-yield savings accounts are known for their competitive interest rates. So what’s the best way to use a high-yield savings account? Here are five options to consider.
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How much money should you save each month?
How much should I save each month? It’s a common question with no concrete answer. Find out what the experts say when it comes to how much you should save each month.
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How to budget: Your complete guide to budgeting for 2024
A successful budget can empower you to reach the important financial goals in your life. Learn how a budget works and the steps you need to follow to create a budget of your own with this step-by-step guide.
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How the 'loud budgeting' trend could help you save more money
Loud budgeting is a social media trend that can help you set financial boundaries and say no to expenses that don’t align with your money goals. Learn the benefits of loud budgeting and how to implement it in your own life.
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What is a no-spend challenge, and is it right for you?
A no-spend challenge is a way to save money and gain more control over your finances by avoiding all nonessential spending for a set period of time. Here’s how it works.
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Can you open a bank account with bad credit?
You can usually open a bank account even if you have a bad credit score. But negative banking history is likely to cause you problems. Here’s what to know about opening a bank account with bad credit.
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5 money-saving apps to help you grow your wealth
Whether you’re looking to build an emergency fund or start investing on a regular basis, a money-saving app can help. Here’s a look at some of the best money-saving apps available today and their costs.
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Fixed vs. variable expenses: Key differences and how to budget for each
Understanding the difference between fixed expenses and variable expenses is key to proper budgeting. See examples of both and learn how to plan for them.
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Budgeting basics: What are monthly expenses?
What counts as a monthly expense? Check out this list of common monthly expenses to include in your budget, along with helpful tips on how to cut monthly expenses for savings and other financial goals.
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Does closing a bank account hurt your credit score?
There are certain cases in which closing a bank account could impact your score indirectly. Here’s what you should know.
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Is it safe to store money in apps like Venmo, PayPal, and Cash App?
Keeping money in PayPal, Cash App, Venmo, or another P2P payment app puts your money at risk. Here’s why, and what to do instead.
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Need a new budgeting tool? Try one of these 6 Mint alternatives
Looking for a replacement now that the Mint app is gone? Consider these six budgeting apps as Mint alternatives.
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Tips for getting cheap car insurance in 2024
No one wants to pay more than necessary for car insurance. Here are ways to lower your bill or find cheaper coverage.
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How to switch car insurance companies
You can switch car insurance companies at any time. Here are the steps to follow, plus pros and cons to consider.
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The best CD rates for November 2023
To find the best deals on CDs, shop for one that combines the best CD rates, a term that matches your savings goal, and a minimum deposit that fits your budget.
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What to do with a CD when it matures
It’s important to have a plan for your money before your CD matures, or your bank might make a decision on your behalf.
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What is annual percentage yield (APY)?
Different interest-earning accounts all have an APY. The higher the number, the more interest the account will earn.
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How to save with CDs
Explore different types of CDs and learn to use them to grow your savings.
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Why now is a good time to open a savings account
Before interest rates start sliding back down, you should take advantage of the highest rates we’ve seen in years and open a savings account.
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Proof of insurance: What you need for your auto policy
Proof of insurance is simple to get but vitally important to have anytime you’re driving.
