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by The Penny Hoarder Staff You’ve done what you can to cut back your spending.You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones we’re talking about: rent, utilities, cell phone bill, insurance, groceries…So

by Rachel Christian, CEPF®Senior WriterWhen was the last time you printed out your resume and handed it to an actual human being?These days, many job seekers don’t interact with a real, live person until they get past an electronic screening round.More companies are using automated applicant tracking systems (ATS), also known as talent management systems, to find job candidates.While ATS systems are efficient, they eliminate resumes that are missing important

by The Penny Hoarder Staff So, you have thousands of dollars in credit card debt, and the burden of paying off all that — and interest — is gobbling up your income. Instead of financially treading water making minimum payments and paying maximum interest, make the smart move, and take out a debt consolidation loan. It’s a personal loan, usually at a lower interest rate that you can use to

by Robin Hartill, CFP®Senior EditorA secured loan is a type of loan backed by collateral that your lender can seize if you don’t make payments. A mortgage is one of the most common types of secured loans. Your home is the collateral. If you don’t make your mortgage payments, your lender will start the foreclosure process to seize your home.Most personal loans are unsecured loans, meaning they aren’t backed by

by Danielle BraffContributorYour pet is part of your family, but that doesn’t mean his food needs to cost as much as yours — even if you’re trying to feed him high-quality food.But unfortunately, pet food, too, was affected by supply chain woes and shortages during the pandemic. There are fewer drivers transporting the ingredients and products across the country; there are cargo ship delays; and the number of people with

Best for Helping Out a FriendChime Referral Bonus$100 Best for Socially Conscious ClientsAspiration Plus$200 Best for Basic CheckingChase Total Checking$200 Best for Fans of Suze OrmanAlliant Ultimate Savings$100 by Timothy MooreContributor So, you’re looking for a new bank account. You’ve got several factors to consider — ATM access, interest rates, monthly account fees, minimum balances, online bill payments and more. Another factor: sign-up promotions and bonuses. Banks and credit unions