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See the Answer »I just lost my job. What are my health care options?
See the Answer »I’ve heard about investment risk. What does this mean?
See the Answer »How many credit cards should I own?
See the Answer »How many credit cards can I cancel in a year?
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See the Answer »Can I reestablish good credit after identity theft?
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See the Answer »Can homeowners insurance cover things outside my home?
See the Answer »How do I lower the financial risk of unexpected situations?
See the Answer »Why should I create a will? I'm only 25...
See the Answer »What is a net worth statement?
See the Answer »How do I get started investing?
See the Answer »Why are some of my paychecks for different amounts?
See the Answer »What is a bonus, exactly?
See the Answer »How does my employer take out deductions?
See the Answer »How long will it take before I receive my first paycheck?
See the Answer »What are all the deductions on my paycheck?
See the Answer »What bank fees are reasonable to pay?
See the Answer »Do I need a checking and a savings account?
See the Answer »I’m switching jobs. Can I still get my 401(k) out?
See the Answer »What percentage of my money should I save each year?
See the Answer »Is it better for me if interest rates are up or down?
See the Answer »What's the difference between an IRA and a 401(k)?
See the Answer »Do the charge cards I get at stores count as real credit cards?
See the Answer »How do I estimate my income tax rate?
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See the Answer »How is a credit union different from a regular bank?
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See the Answer »What’s a credit score?
See the Answer »How long will missed payments affect my credit?
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See the Answer »What’s good debt and what’s bad debt?
See the Answer »How much should I spend on housing?
See the Answer »What global impact does my spending have?
See the Answer »How do I budget for the holidays?
See the Answer »Where should I save money?
See the Answer »I hear a lot about wants vs. needs. What does this mean?
See the Answer »What does ‘live within my means’ really mean?
See the Answer »How do allowances work on a Form W-4?
See the Answer »I want to retire at 50. How do I make this happen?
See the Answer »What is a budget?
See the Answer »What is a cash flow statement?
See the Answer »How much money should I have before I can give to charity?
See the Answer »If I need to tap my retirement fund now can I do it?
See the Answer »What should I save for?
See the Answer »How do I best track my spending?
See the Answer »What's the difference between gross and net pay?
See the Answer »When should I start saving for my child's education?
See the Answer »Is it a good idea to pay off credit card bills with savings?
See the Answer »How does the Federal Reserve affect me?
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Spend
Q: How can it be that my spending has a larger impact on the world?
When we spend money, that money doesn't just sit in a cash register drawer at the store. Part of the money goes back to the company that made the product you bought, paying salaries at that company and paying for the development of new products. Some of the money goes to local and federal governments in the form of taxes and some is used to pay for the programs and services that you and others will use. Some companies even donate a portion of your money to a charitable cause. Every dollar you spend has an impact on the world because it pays for labor, product development, services and, sometimes, charitable causes. This is why you need to carefully consider the stores you patronize and the goods you buy to ensure that your money is going to companies, people and causes that support your values.
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