The Balance Today

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Small Businesses Expect Long-Term Pain From Pandemic

More than half of U.S. small business owners believe their operations won’t return to normal for at least six months, if ever, a recent Census survey said.

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Rule of Thumb: Save for an Emergency or Pay Off Debt First?

Twice a week, we break down the logic behind financial rules of thumb. Paying off debt and being prepared for an emergency are both important financial goals, but which takes priority? Learn what to consider to help you decide.

Balance Transfer Survey: Long Deals Have Dwindled But Fees, High Credit Standards Remain

Credit card balance transfer promotions haven’t completely faded away, but expect so-so offer periods, as well as fees and high credit standards to continue.

How Expected Family Contribution Affects Your Eligibility for Financial Aid

Learn how the FAFSA Expected Family Contribution (EFC) works and why it’s one of the most crucial numbers in calculating your eligibility for college financial aid.

The Perfect Budget Worksheet to Manage Your Savings Goals

This worksheet will help you organize your savings goals and allows you to compare your goals to the rest of your budget.

Take Control of Your Money

Start the new year off strong by taking easy, daily steps toward a better financial life. For four weeks we'll email you a daily tip on paying down debt, making a budget, building your savings, and doing your taxes.

How the Fed Raises and Lowers Interest Rates

The Fed raises or lowers interest rates through its FOMC meetings. It sets a target for banks to use for the fed funds rate. Here are the Fed tools.

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