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The author is not pictured.

Writing my will online for free helped me have important conversations with my husband that I typically avoid

Writing their will with Fabric, a free online service, helped them talk about who should take care of their kids in the event of their death.

How often should I check my credit report? Once a year probably isn’t enough

You should get in the habit of regularly checking your three credit reports. Ideally, you'd do this at least once a quarter if not once a month.
The author is not pictured.

My free Credit Karma app helped my credit score spike by 50 points overnight

After getting engaged, the author started paying down debt and raising her credit score. A feature on the Credit Karma app made a huge difference.

By depositing $100 a month in an online bank account, I’m earning 20 times more than I would at a traditional bank

Online banks are able to offer a higher interest rate than traditional banks, and CIT Bank is among the highest at 1.85% on qualifying accounts.
The author is not pictured.

People say life insurance should cover 10 times your income, but as a financial adviser I can tell you that isn’t always enough

Many experts say you should get 10 times your income in life insurance coverage. As a financial adviser, however, I tend to believe that's not enough.
Disability insurance is not just for on-the-job injuries.

4 reasons you may need disability insurance, even if you think you don’t

Anyone who relies on a steady paycheck to support themselves or others should have disability insurance, which can help replace sudden loss of income.
Eric Rosenberg and his mother, Andrea, at Crater Lake in Oregon.

I’ve been using the same app to manage my money for 7 years, and I like it so much I’m teaching my mom to use it, too

Personal Capital offers free investment analysis tools that help you better understand your investments across multiple accounts.
The author's home in the Minneapolis suburbs.

Refinancing my mortgage lowered my monthly payment by $200, but I wish I’d known 5 things beforehand

The author and her husband bought a house in 2017 in hopes of paying less for a mortgage than they were spending on rent.
All homeowners can expect their premiums to climb thanks to the rising cost of climate change.

Climate change may affect your homeowner’s insurance policy in 2 ways

It's time to start thinking about how you will budget for higher premiums, and also whether adding additional coverage makes sense.

5 ways to fix your credit without adding more debt

It's important to keep your credit in good standing to get better interest rates, apply for credit cards that offer top-tier benefits, and save money.