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Money tips
that respect your time.
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WHAT WE DO
We can all be Money Crashers
Anyone, at any stage of life, can get good with money. It just has to be explained straight. That’s what we do, one short tip at a time.
Educate
Every post teaches one useful thing. No lectures, no jargon, no filler.
Research
We compare rates, fees, and current promotions across the market. You just pick from the winners.
Enrich
We work with top financial brands to get you offers and bonuses you won’t find on your own.
AS SEEN ON
Latest Money Tips
New tips every day. Browse the latest, or get the next one in your inbox.
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Your Mortgage Rate Affects Your Total Cost More Than the Purchase Price
A 1% difference in mortgage rate on a $350,000 loan costs or saves roughly $70,000 in total interest over 30 years. Get quotes from at least three lenders, including banks, credit unions, and mortgage brokers, before committing. Rates vary more than most buyers expect, and lenders are competing for your business.
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Re-Shop Your Health Plan Every Open Enrollment – The Default Costs You
Most employees auto-renew last year’s health plan without checking whether their premiums, deductible, or covered providers changed. Plans reprice every year, and the cheapest option for your situation often shifts, especially if you added a dependent or a new prescription. Compare your options every open enrollment before the window closes.
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An Independent Home Inspection Is Non-Negotiable Before Closing
A professional home inspection surfaces structural, mechanical, and safety issues before you’re legally committed to the purchase. Skipping one, or relying on your agent’s recommended inspector, can cost tens of thousands after closing. Hire your own inspector, attend the inspection, and read the full report before you proceed, negotiate, or walk.
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Your 401k Contribution Limit Resets Every January – Max It If You Can
The IRS sets an annual contribution limit for 401k plans, and once the year ends, you can’t go back and contribute more. If you’re not maxing out, increase your contribution percentage by 1% each year until you get there. Small increases are barely noticeable in your paycheck but add up to real money over time.
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Combine Finances With Your Partner – But Keep Some Money Separate
The most financially stable couples run a hybrid system: a joint account for shared expenses like rent, utilities, and groceries, plus individual accounts for personal spending. Set it up so the joint account handles household obligations transparently while your individual accounts let you spend without justifying every purchase. The structure prevents most money arguments before they start.
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A Will Is Not Just for the Wealthy – Everyone With Dependents Needs One
Without a will, state law decides who raises your children and who receives your assets, and the outcome may not match your wishes at all. Online estate planning platforms now produce a legally valid basic will for under $100 in most states. Name your guardians and direct your assets this month. Not deciding is a decision.
WHY WE DO IT
Money Crashers’ mission
Money should work for you, not the other way around. We keep you on the right side of that deal with tips you can act on the day you read them.
We only write what’s useful.
Every piece starts with the same question: how useful is this to our readers? When the honest answer is “not very,” we don’t publish it.
We do the homework so you don’t have to.
We run the numbers, read the fine print, and weigh the alternatives. You get the conclusion, not the pile of research.
Trust is our No. 1 priority.
No clickbait headlines. Affiliate partners don’t buy our opinions. When a product isn’t worth it, we say so.