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Money tips
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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.
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Your Credit Utilization Should Stay Below 30% – Ideally Below 10%
Credit utilization is the percentage of your available credit you’re using, and it’s the second biggest factor in your credit score. Keeping it below 30% is standard advice, but the highest scores cluster below 10%. If you carry balances, pay them down before your statement closes, not just before the due date.
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One Late Payment Can Stay on Your Credit Report for Seven Years
A single missed payment reported to the bureaus drops your score significantly and remains on your report for seven years. Set up autopay for at least the minimum on every account so you can always pay more manually on top of it. The minimum payment protects you from a late mark; paying the full balance protects you from interest.
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Your Credit Score Has Five Components – Most People Only Focus on One
Payment history and amounts owed make up 65% of your FICO score, but credit mix, length of history, and new inquiries account for the rest. Paying on time matters most, but closing old accounts, applying for multiple cards at once, or carrying no installment debt can quietly drag your score down. Know what’s moving the needle before you act.
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Banks Will Pay You $200-500 Just to Open a New Account
Banks routinely pay cash bonuses to new customers who open a checking or savings account and meet basic requirements: a minimum deposit, a set number of debit transactions, or a direct deposit within 90 days. The best offers usually aren’t on the bank’s homepage, so compare current bonuses before you open any new account.
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Bank Fees Add Up – How to Find Out What You’re Paying and Stop
Your bank may be charging you more than you realize. Monthly maintenance fees, overdraft charges, out-of-network ATM fees, and wire transfer costs add up to hundreds of dollars a year for the average customer. Check your last 12 months of statements, total what you’ve paid in fees, and switch to a bank that doesn’t charge them.
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Credit Unions Often Beat Banks on Rates & Fees – How to Join One
Most people are eligible to join a credit union through their employer, their community, or a professional association, and most never bother to check. Credit unions are member-owned nonprofits, so instead of paying shareholders, they return profits as lower fees, better savings rates, and cheaper loan rates. Check what’s available to you before defaulting to a big bank.
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.