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Visitors will find Excel budget worksheets they can download. Good stuff! In , J. Here visitors will find curated articles from what researchers believe to be the best content from blogs and websites around the web. Articles cover just about every personal finance topic you can imagine.

He still publishes daily content every weekday. He says he has no plans to go anywhere. You have money questions and concerns. We have answers. Our team has eliminated mountains of debt, saved thousands of dollars, and invested responsibly for a financially secure future. They have expanded their team to five members and encourage guest posts from other women. They have organized their content in a way that resembles college classes with level novice , level intermediate , and level advanced.

To offer further insight, they provide a financial directory of websites and podcasts of other successful women. Started and managed by Peter Anderson, they focus on managing personal finance from a Biblical perspective. The two main categories — Making Money, Saving Money -match this tagline. Yes, many articles reference Biblically based personal finance. In reality, these principals are sound for anyone. The common themes throughout are pretty straightforward and similar — save more, spend less, live within your means, invest wisely.

These are also Biblically sound financial principals. Readers will also see some unique articles. This site is full of valuable content and special offers. Money Mustache writes the forward of the book he gets around. There is a menu link to a stock series that currently has 22 articles in it. His manifesto tab lays out his thoughts on how to successfully build wealth.

Articles are serious, honest thoughts on The Simple Path to Wealth. Billy B. When I went to the site, I was even more impressed. While in prison, Bill focused on transforming his mind and learning to write. Wealth Well Done is the culmination of those efforts. Bill and Amanda, whom he married in , focus on three principles for their site. Escaping your prison means letting go of the things you regret. Tom is a Canadian blogger who started Maple Money in In the blogger world, ten years is an eternity.

The show first aired on August 18, Be sure to stop by and take a tour. Pretty impressive! The site has a month by month archive of their articles on the left side of the page. The right side contains links to numerous and varied categories. Categories include traditional financial topics. Additional non-financial topics include kids, epic treks, food, clothes, cars, and entertainment.

Also, there is a Reader Suggests section where Mrs. Frugalwoods offers her top choices from reader discussion groups, comments, and forums. It is a very smart, informative, and unique site. He started Len Penzo dot Com in December Those of us who blog know blog years are counted like dog years. Well done, my friend. Using money I saved working as a teenager and throughout college, I was able to fully pay for my own education, room, and board, without the benefit of any loans.

As you will learn from my blog, the great thing about financial freedom is that anyone can attain it — regardless of income level! I guess I just did. Len has a fun and unique writing style that keeps readers engaged. He makes personal finance fun. And think about that coming from an EE. Pretty cool if you ask me. Many others could make a case for being included. Personal finance is just that person. These 25 are our personal favorites.

What follows are additional blogs we like. Various categories list them. Like the top 25, these are blogs we feel stand out as unique in their group. Some have been around for a long time. Others have not. We feel these offer the right mix of both.

We hope you enjoy these and find blogs you may not have known. The blogs that follow still represent exceptional quality and some of the best money advice in the blogosphere. The smart money section has the usual personal finance topics like debt, budgeting, bank accounts, retirement, and taxes. The Penny Hoarder has a great staff of writers. They feature content from freelance and other writers who are experts in their topics.

You can spend a lot of time on this site and never see the same thing twice. I highly recommend you visit them. You can find reviews on credit cards, loans, insurance, investing, and banking. Each one has a detailed comparison and review. Their blog covers a wide variety of personal finance topics to help you get educated before you shop for products or services.

Check them out at the link below. His blog is about his travels, but also about how to think about money in a whole new way. And when I say money, what I mean is a lifestyle. Jeremy is analytical and eloquent, and one of the unique writers in the personal finance space. Get good grades. Get a good job. Buy a house. Be a good consumer. Retire on a golf course. Money Mustache is a credible personal finance website. They wanted to start a family, so they decided to retire.

Retire to start a family? Pete, which is the only name I could find for the author, retired at age He started this blog in at age Not earth-shattering, but very difficult to implement. You can read his entire journey to financial freedom, starting with his first article, written on April 6, He tells his own story and challenges readers to think about their own lives and how to affect change to move toward financial freedom. There are multiple articles and recommended resources, a page called MMM Classics, representing selections chosen by Mr.

The Budget Savvy Bride is the only wedding planning blog that shares the budget breakdowns of real weddings from across the USA, so you can check out how other couples spent their wedding budget. The Budget Savvy Bride also features tons of incredible money-saving tips, inspiration posts, and advice for keeping things in perspective while planning.

Not to mention, there are also DIY project tutorials and free wedding printables to help you craft decorative details to make your wedding look luxe for less. Jeff Wiener writes the blog. Jeff sold his company in for 8-figures and now spends his time helping other entrepreneurs succeed with theirs. He not only blogs about entrepreneurship, but also about building a real estate portfolio, and investments in general.

As a father of two boys, he blogs to document the financial lessons he learns along the journey so that more people can be financially free. He writes about all things to do with wealth creation whilst relating some of it to Policing. I do not believe in extreme frugality but about reaching financial freedom at a pace that is sustainable without complete deprivation. Life is full of stresses as it is. They were broke and desperate for a change and followed Dave Ramsey before finding financial independence and early retirement.

Their goal is to help families find their version of FIRE through budgeting, saving, investing, side hustles, and travel hacking. Sam has a BS in Finance, and an MBA degree that she used at a top financial firm before quitting her job to pursue their side hustles full-time.

They want other people to be able to pursue their passions due to smart money management, too. Semi-Retire Plan equips readers to intentionally semi-retire early from full-time work. If early retirement and financial independence are important to you, be sure to spend some time getting to know this blog. The website was founded by Todd Kunsman, who, since , taught himself everything about personal finance and investing while improving his career worth.

The goal is to help anyone and everyone in a more relatable and realistic way. After researching possibilities, he fell in love with real estate, specifically passive real estate investments. He has a Side Hustle Interview series that documents many different entrepreneurial ventures, and what it takes to be successful.

Quickly, the site has become an authority on all things personal finance, including investing, budgeting, credit cards, banking, and more. Just check out their credit card tool that will find the best card for you based on your past spending habits. I teach millennial women how to harness their strengths and talents to create a legit, sustainable online business.

Hence, the blog name. Her blog speaks to women who struggle to balance all the responsibilities of being wives and mothers. If that describes you, be sure to stop by and take a look. Of course with that, you need to manage that extra money and decide the best way to use and optimize it in a way that works for you and your life and getting great deals like cheap travel.

We also discuss things that are important to us like the darker side of side hustling, shifting into full-on entrepreneurship as we ourselves do that, burnout, corporate bs and finding ways to live a more fulfilling life. Follow us on facebook and twitter iliketodabble. Nathan also shares his progress on growing his eBay business and has lots of resources to help you start your own store and earn some extra money.

Or get passed them, if you already have. Trying things out, making changes, adjusting your mindset, and not being afraid to put yourself out there. Jamming to the beat of all the creative ways you can find to make money and pay off debt. Because being in debt is not fun — so why not make it a fun process, pushing those worries into the past for good?

Robin Rose founded Mastering the Side Jam back in , as a part-time hobby. She provides reviews, recommendations, and honest opinions on different ways to make money on the side. So come join the jam session — to dance your way through debt and live your best life. Personal finance and debt are not openly discussed in the law enforcement community, and he has made it his personal mission to educate and help as many first responders as he can. Realizing that his message applies to the general public, he also teaches ordinary citizens on the proper way to manage their money using common sense and easy to understand techniques.

Now that Brian is debt-free, his mission is to help his three children prepare for their financial lives and educate others to achieved financial success. Brian is involved in his local community. As a Financial Committee Chair with the Board of Education of his local school district, he has helped successfully launch a K financial literacy program in a six thousand student district. As a Board Member of a local non-profit, Brian helps provided educations opportunities to the community.

Future developments. For the latest information about the tax law topics covered in this publication, such as legislation enacted after it was published, go to IRS. Due date of return. File Form or SR by April 18, If you live in Maine or Massachusetts, you have until April 19, That is because of the Patriots' Day holiday in those states.

See chapter 1 , later. Who must file. Generally, the amount of income you can receive before you must file a return has been increased. For more information, see chapter 1 , later. Tuition and fees deduction not available. The tuition and fees deduction is not available after Instead, the income limitations for the lifetime learning credit have been increased.

See Form and its instructions. Economic impact payment—EIP 3. Any economic impact payment you received is not taxable for federal income tax purposes, but will reduce your recovery rebate credit. This credit is figured like last year's economic impact payment, EIP 3, except eligibility and the amount of the credit are based on your tax year information. See the instructions for Form , line 30, and the Recovery Rebate Credit Worksheet to figure your credit amount.

For more information, see the Instructions for Form Standard deduction amount increased. For , the standard deduction amount has been increased for all filers. See chapter 10 , later. For more information, see Pub. Virtual currency. See Virtual Currency in the Instructions for Form for information on transactions involving virtual currency. Do not leave this field blank. The question must be answered by all taxpayers, not just taxpayers who engaged in a transaction involving virtual currency.

Credits for sick and family leave for certain self-employed individuals. The Families First Coronavirus Response Act FFCRA helped self-employed individuals affected by coronavirus by providing paid sick leave and paid family leave credits equivalent to those that employers are required to provide their employees for qualified sick leave wages and qualified family leave wages.

For more information, see the Instructions for Form and Schedule 3 Form , line 13b. Extension and expansion of credit for qualified sick and family leave wages. Self-employed individuals may claim these credits for the period beginning on April 1, , and ending September 30, For more information, see the Instructions for Form and Schedule 3 Form , line 13h. Form , Alternative Media Preference. Beginning in , taxpayers with print disabilities can use Form to elect to receive notices from the IRS in an alternative format including braille, large print, audio, and electronic.

You can attach Form to your Form or SR or you can mail it separately. For more information, see Form An IP PIN helps prevent your social security number from being used to file a fraudulent federal income tax return. Direct deposit now available for returns filed late. You can now receive a direct deposit of your refund even if you file your return after November 30, Expanded dependent care assistance.

The ARP expanded the child and dependent care tax credit for by making it refundable for certain taxpayers and making it larger. The rules for calculating the credit have also changed; the percentage of qualifying expenses eligible for the credit has increased, along with the income limit at which the credit begins phasing out. Additionally, for taxpayers who receive dependent care benefits from their employer, the dollar limit of the exclusion amount increases for For more information, see the Instructions for Form and Pub.

Child tax credit. Under the ARP, the child tax credit has been enhanced for The child tax credit has been extended to qualifying children under age If you or your spouse if filing jointly lived in the United States for more than half the year, the child tax credit will be fully refundable even if you don't have earned income.

If you don't meet this residency requirement, your child tax credit will be a combination of a nonrefundable child tax credit and a refundable additional child tax credit, as was the case in The credit for other dependents has not been enhanced and is figured as it was in Schedule Form The Schedule Form and its instructions have been revised to be the single source for figuring and reporting the child tax credits and credit for other dependents.

The instructions now include all applicable worksheets for figuring these credits. As a result, Pub. For prior-year versions of Pub. Letter If you received advance child tax credit payments during , you will receive Letter Keep this notice for your records. You will use the information from this notice to figure the amount of child tax credit to claim on your tax return or the amount of additional tax you must report on Schedule 2 Form Additional tax on excess advance child tax credit payments.

If you received advance child tax credit payments during and the credits you figure using Schedule Form are less than what you received, you may owe an additional tax. Complete Schedule Form to determine if you must report an additional tax on Schedule 2 Form Premium tax credit PTC. In addition, in , if you receive unemployment compensation, you are generally eligible to claim the PTC if you meet the other requirements.

Changes to the earned income credit EIC. For , the following changes have been made to the EIC. EIC rules for taxpayers without a qualifying child. Special rules apply if you are claiming the EIC without a qualifying child. In these cases, the minimum age has been lowered to age 19 except for specified students who must be at least age 24 at the end of the year. However, the applicable minimum age is lowered further for former foster youth and qualified homeless youth to age Additionally, you no longer need to be under age 65 to claim the EIC without a qualifying child.

EIC rules for taxpayers with a qualifying child. If you are claiming the EIC with a qualifying child, you should follow the rules that apply to filers with a qualifying child or children when determining whether you are eligible to claim the EIC even if your qualifying child hasn't been issued a valid SSN on or before the due date of your return including extensions.

However, when determining the amount of EIC that you are eligible to claim on your return, you should follow the rules that apply to taxpayers who do not have a qualifying child. Phaseout amounts increased. The amount of the credit has been increased and the phaseout income limits at which you can claim the credit have been expanded. Rules for separated spouses. If you are married but don't file a joint return, you may qualify to claim the EIC if you live with a qualifying child for more than half the year and either live apart from your spouse for the last 6 months of or are legally separated according to your state law under a written separation agreement or a decree of separate maintenance and do not live in the same household as your spouse at the end Investment income limit increased.

Prior year earned income. You can elect to use your earned income to figure your earned income credit if your earned income is more than your earned income. See the instructions for Form , line 27a. The forgiveness of a PPP loan creates tax-exempt income, so you don't need to report the income on Form or SR, but you do need to report certain information related to your PPP loan.

Identity verification. The IRS launched an improved identity verification and sign-in process that enables more people to securely access and use IRS online tools and applications. The new process is one more step the IRS is taking to ensure that taxpayer information is provided only to the person who legally has a right to the data. Additional IRS applications will transition to the new method over the next year.

Each online service will also provide information that will instruct taxpayers on the steps they need to follow for access to the service. You can also see IR for more information. Personal protective equipment PPE. Amounts paid for PPE, such as masks, hand sanitizer, and sanitizing wipes, for the primary purpose of preventing the spread of coronavirus, are qualified medical expenses.

If the amounts were paid or reimbursed under a health flexible spending account, Archer medical savings account, health reimbursement arrangement, or any other health plan, the amounts are not deductible on Schedule A Form Standard mileage rates. The standard mileage rate allowed for operating expenses for a car when you use it for medical reasons decreased to 16 cents a mile. The rate for use of your vehicle to do volunteer work for certain charitable organizations remains at 14 cents a mile and the rate for business use of a vehicle is 56 cents a mile.

For , your Roth IRA contribution limit is reduced phased out in the following situations.

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You just need to know a few basics, form a plan, and be ready to stick to it. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money. Visit the Roadmap to Saving and Investing How the Markets Work The stock market is where buyers and sellers meet to decide on the price to buy or sell securities, usually with the assistance of a broker : Let's take a closer look at what you need to know about how stocks are traded.

Securities and Exchange Commission enforces the laws on how investments are offered and sold to you. Protecting investors is an important part of our mission. Many investors invest in bonds through bond index funds and actively managed funds. The fund manager automatically rebalances the portfolio to continue holding bonds with the target maturity date.

Are Bonds Risky? Most bonds are less risky than stocks because they are a fixed income investment that pledges to return a regular interest payment. Investors can estimate the total potential investment gains upfront. Bonds have several risk factors to consider. Inflation Bonds earn fixed income but the yield may be lower than the inflation rate. Investors make investment income, but their money loses value as living expense increase.

Investors can potentially make more by reinvesting their cash in new bonds or certificates of deposits with a higher interest rate and a shorter maturity date. Bonds with a low duration rate are less affected by rising rates. Another strategy is investing in short-duration bonds with a maturity date of three years or less. As interest rates rise and the existing bonds mature, the cash can reinvest in new bonds with higher potential yields.

Credit Default Companies and governments can default on their bond payments. Investors should consider investment-grade corporate and government bonds. Do stocks or bonds make more money for investors? Most investors get exposure to stocks and bonds using broad market index funds due to the low investment costs and the ease of access.

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