Snowball Blog

Here to help you save $, make $, grow $, and still let you live your best life.

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San Francisco Bay Area Resources to Build Financial Literacy

Financial literacy is crucial to our financial well-being, but it can be hard to know where to get started.

Cities That Have no Income Tax

Where you live can have a huge impact on your personal finances.

How Beyoncé Manages Her Money

Beyoncé is well known for being a global superstar, but she is also a very savvy businesswoman who has a very smart approach to managing her personal finances.

Credit Cards if You Have Bad Credit

You may find it difficult to qualify for a new line of credit if you have a low credit score.

The Best Balance Transfer Credit Cards

A balance transfer is a good option to get rid of debt. We review which ones are the best!

Rich Dad Poor Dad Summary

Rich Dad Poor Dad teaches readers how to adopt the right mindset for building wealth.

"I Will Teach You to be Rich" Book Summary

I Will Teach You to be Rich is a great introduction to thinking smarter about your finances.

How Much Does a Financial Advisor Cost?

As you plan your financial goals and prepare for retirement, you may end up turning to a financial advisor.

Mint vs You Need a Budget vs Personal Capital

There are so many budgeting apps! Which one is the best?! We help assess the top 3 budgeting apps and determine which one is right for you.

How to Fill out a W-4 2019

If you’re filling out a W-4, that means you’ve just started a new job!

The Most Inspiring Financial Goals 2019

As we are all getting ready for strong 2019, it's time to evaluate the year and set some goals. Here are some goal ideas based on where you are at

How to Fill out a W-9 2019

The W-9 Form is most commonly filled out by taxpayers who work as a freelancer or independent contractor rather than a full-time employee.

Are CD accounts a good idea or investment?

A certificate of deposit, or CD account, is a financial product sold in the U.S. by banks and financial institutions. CD’s are similar to a regular savings account in that they are both FDIC insured, making them very low-risk.

The Highest APR Savings Accounts 2019

We looked at 50 savings accounts to find the best rates for you

Why Is “FDIC and SIPC Insured” Important?

Why is bank insurance important and why should you care? What are the differences between FDIC vs SIPC insurance?

Tax Season is Coming: Four Actions to Consider Before 2019

Just make sure you do these before December 31, 2018 to get the actual benefit for the 2018 year.

2019 New Year's Resolution Ideas: Focus on the Big Wins

When thinking about your New Years Resolutions, it's critical to focus on achieving “big financial wins” in your life. By choosing your top two to three big financial wins to tackle in 2019, you might easily be able to save hundreds or thousands into your savings or investment account.

How to be part of the 401K millionaires club

A step by step guide on how it's actually possible to hit the 1 million mark for your retirement. By following these 5 key steps you can be on your way to joining the 401K millionaires club.

Why Employer Retirement Matching is Like Getting 100% Return

How does employer matching work? We take you through examples and show you how it can be like getting 100% return on investment

Step by Step Guide for 0% Balance Transfers

Here are our 4 steps to do a balance transfer. By doing a balance transfer to a 0% APR card, you can start save money over the short term and start paying down debt.

Hacking Your Way Out of Debt -- What Your Bank Won’t Tell You

There are a few methods of getting rid of credit card debt, one way many people with decent credit can get out of debt is doing a balance transfer.

What Happens When You Don’t Pay Your Student Loans?

This is how it starts: emails, calls, snail mail, calls to your emergency contact. All of them can be a nuisance but still ignored, but once the federal government begins garnering your wages (e.g. taking money from your paycheck directly), you’ll definitely start listening!

Emergency Fund: What it Is and Best Practices

An emergency fund is a must have for any unexpected expenses that come up - because after all, life happens and you just can’t anticipate everything.

What is a Trust Fund and How Does It Work?

You’ve probably heard the term “Trust Fund Baby,” but what actually is a trust fund and when should you get one? It’s one of the tools that the ultra-rich seem to use often, and one of the financial tools that keeps the wealth gap in place -- so we went ahead and looked into it for you.

What Makes a Good Lender?

Below we’ve highlighted some of the top questions people ask when choosing a student refinancing lender...

Top 5 Questions When Refinancing Student Debt

We have listed top 5 questions most people ask themselves when they start thinking about refinancing their student debt...

What Is An “Index Fund”?

Last year, nearly $700 billion was poured into index funds across all asset classes. What does this mean, and why is this type of fund rising in popularity?

Which Side Hustles Earn the Most?

Here are some details on popular side hustles, and how much you can make with each...

What Does It Mean When “The Fed Raises Interest Rates”?

Your credit card interest just went up -- here's why!

What Is The FIRE Community?

There are some people retiring and traveling the world by their 30s. Here's how they do it...

Creating a Simple Budget with the 50/30/20 Rule

Over time, the idea is that someone who follows this budgeting plan can tackle their debt, have the room to still have fun, and build up a good savings account...

Salary Negotiation With Real Leverage

Negotiating for a role can feel daunting. While we can’t boil the down the entire process into a single blog post, we do think there are some key areas to focus on...

What Are The Benefits of Dollar Cost Averaging (DCA)?

Trying to time the stock market can be a tricky proposition and can be one of the more difficult things to do when trying to execute a sound investment strategy...

What is Student Debt Consolidation and How Do I Do It?

Loan consolidation A.K.A. “Direct consolidation loan” is a government program. Essentially, this is where you combine your loans into one...

Where Do I Find My Student Loans?

Step by step guide to finding your loans and other important student debt information.

Should I Get a Variable or Fixed Interest Rate?

When you refinance your student loans the type of rate you choose is super important! Here are the differences.

Should I Get a Cosigner For My Student Loan Refinancing?

it might be useful to bring on a cosigner, though it’s important to weigh the risks and benefits. Here is a breakdown of some of the most common questions

4 Federal Programs to Lower Your Student Loan Payments

Federal programs such as IBR, PAYE and REPAYE explained!

Pros and Cons of Refinancing

Before you refinance, look into if the option is right for you.

Ways you can increase your credit score by 100 points

Real strategies to increase your credit score

The Highest APR Savings Accounts 2018

We looked at 50 savings accounts to find the best rates for you

Getting Hacked: How to Protect Yourself

We have all heard the horror stories. A friend or colleague's credit card getting hacked and ending up with $5K in charges AND months of back and forth with the bank to dispute it. We did the research for you, so that you can take a few easy steps to protect yourself from a hacking situation.

Look Into the Finances of a 28 Year Old in NY

We interviewed "Marie" and went deep into her financial situation and how she thinks about her finances.

Prenups: Top Financial Considerations

You're in love. But, you also have a financial plan. Or, their entire family have signed prenups and they *have* to sign one. Who do you ask for an objective opinion?

Tax Prep: Often Overlooked Deductions

This week we're going over taxes (they're due April 17th!). If you have a simple tax return, you can check out these free options: Turbotax or Credit Karma. To get as much $ as possible back, we have provided you some often overlooked deductions (for self-employed, rules slightly vary).

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