Do you remember where you filed your tax return? What about your tax return from 3 years ago? The IRS recommends that you keep at least 3 years of tax returns on hand. But what if you can’t find your tax return in your black hole filing cabinet? Tax Transcripts are the answer.

And if you want to check on the status of your tax return early, your tax transcript can also help.

Read more here.

Not saving as much as you'd like to? Automatic savings apps can knock down hurdles and help you sprint to the savings finish line.

If you’ve struggled with bounced checks, regular overdrafts, or closing an account with a negative account balance, you may have run into issues opening a new account.

The issue of being unbanked or underbanked can lead to many issues for people who have struggled with poverty, economic instability, or those who tend to use cash to the exclusion of bank accounts.

In certain circumstances, some banks won’t allow you to open an account due to a checkered banking history. But if you’re trying to make headway towards economic stability, getting a checking account in place can go a long way towards reducing check-cashing and other nonsense banking fees.

In these circumstances, a second-chance checking account may be your best option. Here’s what you need to know about them. Read the full article here.

A Health Savings Account (HSA) allows you to contribute funds into the account and use those funds to pay for medical expenses. A flexible spending arrangement (FSA) allows you to contribute funds into the account and use those funds to pay for medical expenses.

Did we just repeat ourselves? On the surface, an HSA and FSA don’t seem any different. But there are differences.

There are differences in contribution amounts, employer contributions, and qualifications based on your health plan and employment status.

Read the full article here >>

Could a cash advance app save you from another overdraft fee or is it just delaying the inevitable?

Millions of Americans are turning to apps that provide quick, interest-free cash to cover unexpected expenses or bridge budget shortfalls between paychecks. But are these services truly helpful or just another way to keep you trapped in a paycheck-to-paycheck cycle?

If your monthly finances often teeter on the edge, dealing with late fees, high-interest debt, or recurring overdrafts, cash advance apps might offer temporary relief. While they typically don’t charge interest, most come with a monthly fee. They’re certainly cheaper than payday loans but do they actually help your long-term financial health?

These apps are cost-effective tools to jumpstart your cash flow, so you can right your financial ship.

Now, ideally you wouldn't have to use these services - but we're not here to judge. If you do need them, they may be a better option than paying large overdraft fees or late fees. But hopefully you also take a bit of time to analyze your income and spending and course correct as needed.

We’ve rounded up the best cash advance apps available right now. But before you tap “download,” here’s everything you need to know about how they really work and whether they’re the right financial move for you.

With student loan payments resuming for the first time in three years, some borrowers have a fear of their student loans.

You’ve heard it over and over again. The news won’t stop talking about it. It is the topic of many documentaries.

Everyone is talking about the severity of the student loan debt crisis and how student loan payments are going to tank the economy.

In 2021, students graduated with an average of $30,600 in student loan debt for their undergraduate degrees. For those who choose to go on for a graduate degree, this amount will likely triple or quadruple by the time they’re done.

And considering it takes people years to pay off student loan debt, this can be a mighty scary thought.