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Two Cents demystifies personal finance and teaches you how to budget on your own terms, which investments are right for you, and how to achieve financial independence and a comfortable retirement.
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How to Get the Best Refinance Rate on Your Mortgage
The lower the interest rate, the more affordable your refinanced mortgage payments will be each month.
The Real Cost of a Peloton
The bike is one thing. The accessories are another.
Everything We Know (So Far) About Prime Day 2024
When Prime Day 2024 will take place, and what deals you can expect.
When (and Why) You Need a 'Party Wall Agreement' With Your Neighbors
If you have a disagreement with your neighbor over shared property, things can get weird fast.
What to Do If Your Neighbor's Property Is Negatively Impacting Yours
If your neighbor isn’t keeping up with their property’s maintenance, your home's value—and your safety—could be affected.
How to Tell If Someone Is Stealing Your Utilities
It’s surprisingly easy for nefarious neighbors to leech the services you’re paying for.
Six Hand-Powered Appliances That Will Save Money on Your Electric Bill
Cut the power and switch to manual versions of laundry and kitchen appliances to save a little scratch.
Five Lesser-Known Ways You Can Redeem Airline Points and Miles
If you’ve got miles or points piling up, there are more ways to use them than you think.
What to Do If Your Roommate Stops Paying Rent
You took in a roommate to defray your cost of living, but they’ve gone rogue and refused to pay their fair share. What can you (legally) do?
The Differences Between a Payday and Installment Loan (and When to Use Each)
If you need to borrow money fast, here are the crucial distinctions between high-cost payday loans and more affordable installment loan options.
Why Gig Workers Need Business Insurance (and How Much They Should Buy)
Gig workers face unique risks not covered by personal insurance policies.
The Difference Between Shorting ETFs and Inverse ETFs (and Which Is More Risky)
These investments can be lucrative, but they are definitely not for everyone.
When You Should Get Pre-Approved for a Loan (and When You Shouldn’t)
Getting a pre-approval for a mortgage, car loan, or personal loan gives you a head start—but timing is key.
The ‘Circular Economy’ Can Help You Waste (and Spend) Less
Even if you recycle and compost you’re still living a pretty wasteful lifestyle. A “circular economy” model is a better option.
When to Use a Credit Repair Service (and How to Find One)
Having trouble qualifying for loans or credit cards? A credit repair service can help.
How 'Loss Mitigation' Can Help You Avoid Foreclosure
Don't wait until you have missed multiple payments to seek help.
It's Illegal for Your Landlord to Evict You Themselves
If your landlord is trying to get you out without involving the legal system, it’s called a “self-help eviction”—and they’re probably breaking the law.
Where You Should (and Shouldn’t) Keep Your Emergency Fund
Let's look at options beyond the "cash under your mattress" approach.
How Unsecured Loans Work (and When You Should Get One)
Unsecured loans provide don't require collateral, but have higher rates—here's when this flexible borrowing option makes sense for your needs.
Three Reasons You Should Turn Down Unsolicited Real Estate Offers
If you own a home, you’ve probably gotten cold calls from folks who want to buy your house even though it’s not for sale. It’s probably not in your best interest.