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Chase Credit Card Payment Scare

What would you do if the amount you owed on your mortgage suddenly showed up on your credit card bill?

Chase Bank

Here’s a little background.  I’ve had a Chase credit card for years and have been paying the bill with our online bill pay service for most of that time.  A while back, Chase Bank also bought our mortgage; which screwed up my online bill pay processing for our home loan for a month or two.  After spending time on the phone and getting late fees reversed, I thought I was all set with our automated billing/payment.

Unfortunately, the customer service person who had helped me straighten out the online account for our mortgage had only solved a part of the problem.  When they added the home loan account they somehow “hid” the credit card account, which meant it no longer showed up online.

Chase Credit Card Late Payment

Since the credit card was hidden in the online interface, the electronic bill wasn’t sent to my  online bill pay company so I never received notice of what I owed.  I do have my credit card setup to send phone alerts when payments are paid or overdue so I was notified the day after the bill was due that Chase hadn’t received payment.  I also got another phone alert telling me that I had reached my credit limit.

Now, here’s the part where my heart leapt from my chest. 

I logged into my Chase account online to see what was going on and I saw the balance due was many thousands of dollars!  Of course I immediately thought someone had stolen our card and was on a shopping spree.  I couldn’t understand how the credit card company could have possibly let them spend that much money before cutting the card off.  We’re not talking 10K or 20K here, we’re talking a LOT of money that showed up on the balance due line.

Chase Customer Service

I dialed the phone number for Chase as fast as possible and I’m sure the lady on the other end of the line probably thought I was about to lose it.  After asking me a few questions, she pointed out that the bill I was looking at online was my mortgage bill, not my credit card bill.  Whew!

I could breathe again.  I was so used to logging into that account to see my credit card statement, I hadn’t even thought about the fact the balance due I saw could have been a home loan.  The customer service lady was reasonable and Chase waived the late fee and finance charges since they had made some sort of technical mistake that caused me not to get my bill.

Then she transferred me to the web department who looked at my account and let me know that somehow my credit card account had been “hidden” from online access.  They flipped a switch and right away I was able to see both types of statements.

So now I’m back on track with our online bill pay for both bills and am glad I didn’t have a heart attack during the few minutes I thought my credit card balance was as large as my mortgage payment.

I do get frustrated when big companies miss a detail in your account somewhere that causes you lost time and hassle.  I am glad that Chase was reasonable and refunded my late fees and I must admit she offered some of the best customer service I’ve had in about 8 months.  Luckily, I did have to break out my tips on how to beat bad customer :)

Written by Ben · Filed Under Credit Cards, Mortgage >Comments (3) 

TurboTax Winners!

Congrats to the winners of the free Turbo Tax giveaway that I announced over the weekend!

The announcement was at the bottom of the post that looked at the common income tax problems that contest entrants experienced.  I haven’t heard back from all the winners so in case you missed it, I’m posting it again here with a little more descriptive title.

Thanks again to everyone that participated and stay tuned for another upcoming givewawy of tax prep software.

Written by Ben · Filed Under Contest, Taxes >Comments (0) 

Common Income Tax Problems

Income taxes can make us all a little crazy at times! As part of the recent free turbo tax giveaway I asked what your biggest frustration is when it comes time to file your taxes.  Here are some of the things you worry about every year at tax time.

Missing a Tax Credit or Deduction

Several people were worried that they might be overlooking a tax credit that they qualified for or not taking advantage of a deduction.  Who can blame them?  We all work hard for our money and don’t want to pay more taxes than necessary.  With such a complex tax code I bet there are lots of people that file their tax return each year wondering if they’ve missed a deduction and overpaid.

Tax Forms

The most common frustrations seemed to revolve around all the tax forms we get in the mail this time of year.  Here are some of them:

  • Waiting on tax forms to arrive
  • Keeping track of all the tax forms
  • Understanding IRS instructions on the forms
  • Knowing which tax forms to use to report various income

Tax Complexity

Many times the complexity in your tax return comes from some form of life change.  Here are some examples of the tax situations that cause you to scratch your head when you’re filing out your tax forms:

  • Being a student
  • Filing in multiple states
  • Getting married
  • Working multiple jobs
  • Multiple sources of income

Below is an example of multiple life changes rolled into one year from our commentor, lunettes.  Often times we can deal with one or two but when they keep coming throughout the year they can get overwhelming.

I’m really frustrated with this year’s tax issue because I got married and this is the first year I’m off my parents’ dependancy.  I know how they have filed taxes in the past, but I never had to deal with some of the oil/gas leases and farm situation in my name before.

Additionally, my husband has an easy W-2 situation but I had multiple jobs and freelancing positions this year in addition to being a student and things have just gone CRAZY tax-wise especially with saving for retirement and getting married halfway through the year and our deductions changing then!  This software would be a big help. :-)

Turbo Tax Winners

Hopefully TurboTax can help the winners get over some of these hurdles and get their taxes done with less stress!  Congrats to the winners of the Turbo Tax coupon codes for the Online Premier edition, selected randomly by a number generator at random.org :

  • thecognosguy
  • lunettes
  • mslee

I’ve sent you all an email on how you can claim your prize.  If for some reason one of you doesn’t respond or no longer needs it then I’ll use the random number generator to select an alternate.

Thanks to everyone who participated!  Don’t feel badly if you didn’t win, I have some more stuff to give away next week so stay tuned!

Written by Ben · Filed Under Taxes >Comments (2) 

How to File Taxes Online

Filing taxes online can make the whole tax return process a little faster. The main benefits of online tax filing are that you can receive a faster refund, your income tax return is immediately delivered to the IRS and state government without a drive to the post office, and the software that allows you to file taxes online can catch errors on your tax return.

Tax Return Security

One of the big reasons people choose not to file taxes online is that they’re concerned whether it’s safe to submit their financial information over the Internet.  Of course this is certainly a valid concern, one that tax software providers have been working to overcome in recent years. 

One way to quiet your fears is to stick with well known names that have been in the business for years.  These companies have put a lot of time and money into making your information safe. They have a vested interest in providing secure online tax software, if they don’t guard your data they’ll go out of business.

Another security tip is to look at the start of the web address on any page where you’re asked to enter in financial information.  If the web address doesn’t start with https then don’t share any sensitive data.

Filing Your Taxes

To begin preparing your tax return online, you need to gather all the same tax forms you would when filing manually – social security numbers, income information including your W-2, deductions, receipts, 1099’s, and last year’s tax information.  The biggest benefit of tax software vs manual tax returns is that the online software helps you avoid errors.

There are several options for tax preparation companies, we look at some of the best tax software online, they all go through a similar process. The forms begin with your personal information, move on to your income and assets, walk you though your deductions and help you determine your final refund amount or the amount of tax you must pay.  Typically at the the end of your form, the software checks for any exclusions or errors.

There are also options where you can file taxes online for free with IRS Free File if you meet certain income requirements or with Free File Fillable Forms for the 1040, 1040 A, or 1040EZ return.

eFile Your Return

Electronic filing, or e-file, allows you to send your tax return from a tax software package online to the IRS. The IRS and many state governments encourage you to eFile because it saves them the time and money of dealing with paper returns.  Sending your tax information in a digital format not only makes it easier for them to process your return, it also dramatically reduces the number of errors since the software can catch details that you or I might overlook on a paper return.

Tax prep software vendors like Turbo Tax and H&R Block at Home often include a free federal efile when you buy their software.  If you qualify for and use a service like the IRS free eFile then there’s no charge for electronic filing. Once the forms are filed, you will receive an email from the IRS within 48 letting you know you return has been recieved.  If there were any problems with your income tax return

Whether you are able to efile for free or have to pay a small fee to efile it’s the most efficient, reliable way to file your federal and state taxes.  Be aware that the rules around eFiling state returns can differ around the country so check the website for your state’s department of revenue for more information on electronic filing.

Tax Refunds & Payments

If you are receiving a refund, you have the option of receiving a check in the mail or having the refund deposited directly into your bank account.  If you eFile and use direct deposit it can take as few as 10 days to get your tax refund, compared to 4-6 weeks when manually filing. 

Of course if you owe money you’ll have to pay the amount that’s calculated when you file taxes online.  One option is to pay right away by having the IRS electronically take funds out of your checking account.  Another option is to use a credit or debit card to pay your balance but you’re typically charged a convenience fee in these cases.

You don’t have to pay your taxes at the time you eFile your return.  You can still mail a check into the IRS for the amount due; just make sure it’s postmarked by April 15th to avoid late fees.

Benefits of Online Tax Filing

In addition to the benefits of saving time, getting a faster refund, and catching filing errors there are a few other reasons it might be good for you.

Services like H&R Block at Home and Turbo Tax will store your tax data from year to year if you use the online versions of their software.  This makes it easy to import the previous year’s data when you start your tax return.

Online tax preparation software also allows you to easily upgrade versions if you run across a tax situation that requires a more advanced version.  For example, if you’re using TurboTax Deluxe online and have more complex investment or rental property income than the Deluxe version can handle, you can keep all the work you’ve done on your return and easily transfer it up to TurboTax Premier.

Hopefully we’ve covered the basics on what you need to know about filing your taxes online.   We’ve gone through online filing security, the process of filing your taxes, eFiling, tax refunds,  and tax payments. Now it’s up to you to decide whether filing taxes online is the best option.  Here are some well known tax prep software packages that let you file your taxes online:

Written by Debbie · Filed Under Taxes >Comments (1) 

How to Refer a Friend for a Job

Have you ever been asked to refer a friend for a job where you know nothing about their industry but want to help them out?

Referring a Friend (Blind)

Our neighbor recently applied online for a job at the company I work for but the job is in a different department working in an area that I really know nothing about.  He called me up and asked if I could put in a good word for him at work.  He’s been applying to several jobs lately and due to the flood of applicants the bad economy had dumped on the job market, he’s found it’s much easier to get an interview if someone in the company will put in a good word for you.

I asked him a few questions about his background just to get a rough idea of what his experience level was but still felt pretty shaky about it since I’m not familiar with his field or work ethic.  Just because someone’s a great person and you enjoy hanging out with them while your kids play doesn’t mean you know whether they do a quality job in their profession.

Google + Social Media = 2 Minute Resume

I wasn’t sure the best way to help him out BUT not look bad to my company by recommending someone I didn’t really know much about professionally.  I ended up researching him a bit on Google and finding his LinkedIn profile which gave me some good stuff to work with.

On top of not knowing much about his career, I didn’t even know who in my company would be hiring for a job like his.  I asked my boss, who wasn’t really sure but gave me the name of someone in that department.  I went through Outlook and looked at the groups that person belonged to and found two people that appeared to be the appropriate contacts.  I sent them both the email below, turns out they weren’t the right resources but one of them forwarded me onto just the person I was looking for:

Names & profession changed to protect the innocent. It wasn’t Chris Brogan but I knew he had a public Linked in profile I could use as an example.

<—-

Hi Cindy and Sharon,

I saw you were both part of the Outlook ACME Recruiters group, I hope you don’t mind me asking questions about the Software III position in New York City that was just posted under the Current Open Positions.

My next door neighbor, Chris Brogan, applied online yesterday for the Software III position and I wanted to see if there was any further information I could pass onto him about what types of things you are looking for in a candidate.

I’ve never worked with him professionally but our kids play together and through various conversations I’ve learned that he’s done a good job at the software company where he’s worked for over a decade, ABC Tech.  I checked out his LinkedIn profile after talking to him last night, http://www.linkedin.com/in/chrisbrogan, and he moved up from a Software Engineer to a Software Team Lead and then Systems Manager so it sounds like he knows the industry well.

Is there any additional info I could pass onto Chris about what ACME needs from the person who will fill the position or about how the interview process works?

—->

The recruiter called him up the next day and he has an interview scheduled so the ball’s in his court now.  I sure was glad to find a bunch of info about his experience and skills on LinkedIn.  It made it much easier for me to feel comfortable referring him and to put some substance in the email other than, “my neighbor is cool, please interview him”.

What do you think of the email I came up with? Have you had good/bad experiences referring friends?  What has worked best for you (and them)?

Written by Ben · Filed Under Career >Comments (6) 

Tax Credits for 2009

Looking for tax credits? Here’s a list of some of the more popular tax credits for 2009, and who qualifies for them:

First Time Homebuyer Earned Income Tax
The first time homebuyer’s tax credit was part of the economic recovery plan in 2009. It allows first time homebuyers who purchased homes in 2009 to take a tax credit of 10% off the purchase price of their home, with a maximum deduction of $8000.00. To qualify as a first time homebuyer, you cannot have owned a home anytime during the last three years that you used as a primary residence. The home you are purchasing must be for the use as your primary residence and be used as such for the next three years.

Prior to November 6 to qualify you must also have a modified adjusted income as an individual less than $75,000 or as a couple less than $150,000. If you purchased the home after November 6 your modified adjusted income must be as an individual less than $125,000 or less than $225,000 for a couple. For homes purchased after November 6 the other restrictions include that the home you bought must be less than $800,000. To qualify the home you purchased could not have been bought from a close relative. Homebuyers must also be over eighteen years of age.

Vehicle Tax Credit

The car tax credit is also part of the stimulus package. If you purchased a new vehicle between February 17 and December 31 you qualify. All vehicles including cars, trucks, motorcycles and even motor homes qualify, but only if they are brand new. You can get the amount you paid in tax on the vehicle back in a tax credit. To qualify you must have an income as an individual lower than approximately 135,000 and lower than 260,000 approximately for couples. The vehicle you purchase must also be $49,500 or less to qualify for a full credit. If the vehicle is more than this amount, you can only deduct the tax up to $49.500. You will receive your credit when filing your income tax return for 2009. You do not need to itemize to receive the credit and instead of taking off your tax due, it reduces your income. For some this might not add up to much savings.

Adoption Tax Credit

For anyone who adopted a child in 2009, expenses accumulated during the adoption process may be eligible for a tax credit. Adoption expenses eligible for the tax credit are all reasonable and necessary adoption fees including court fees, cost for your attorney, travel expenses including meals and lodging and any other fees that are directly related to the adoption. Costs not eligible include any fees that you have been reimbursed for through your employer for example. To qualify the adoptee must be under 18 years of age. The maximum tax credit that can be earned is $12,150 per child.

Social Security Tax Credit

For individuals and couples collecting social security, you are entitled to a tax credit in 2009 of $250.00 as an individual or $500.00 as a couple. Basically, every individual who collects social security is eligible for this $250.00 credit, even if you have other income.

Government Retiree Credit

Government retirees who do not collect social security are also entitled to a $250.00 tax credit. Every retired federal employee not receiving social security will receive the credit.

American Opportunity Tax Credit

The American Opportunity tax credit has replaced the Hope Credit and allows individuals attending college to receive at tax credit for college related expenses. For the first four years of post secondary education a tax credit can be earned in the amount of up to $2500.00 per year. Tuition, room and board, text books and other necessary supplies qualify for the tax credit. The tax credit is calculated on 100% of the first $2000.00 paid and 25% of the next $2000.00 paid. To be eligible gross income cannot be more than $80,000 for an individual and $160,000 for couples filing jointly.

Energy Efficient Tax Credit

This tax credit is for qualifying purchases of energy efficient home products including hot water heaters, insulation, doors, windows and skylights. Purchasers can earn up to 30% of the cost in a tax credit. The maximum credit earned is $1500 and can not include installation of such products. Each product must meet certain energy efficient criteria to qualify.

This last one’s not a tax credit; it’s a tax deduction that you probably already had applied to your paycheck in 2009. However, it could be worth up to $800 so it’s worth double checking to see if it your employer handled it with your paycheck.

Making Work Pay Deduction

The Making Work Pay tax deduction for 2009 is also a stimulus plan tax deduction. The deduction is for 6.2% of your earned income up to $400.00 for individuals and $800.00 for couples. Most people have already received this deduction in their pay checks. Those who are self employed will need to claim the deduction when they file their 2009 income tax return. To be eligible for the full credit individuals need to have made less than $75,000 and couples less than $150,000.

Written by Debbie · Filed Under Taxes >Comments (5) 

Weekend Tax Tips

Your federal tax return isn’t due until April 15th this year but it’s time to start thinking about gathering together all your tax forms and figuring out what you owe or how much your tax refund will be.  If you use TurboTax to file make sure to enter the contest for free turbo tax that ends tomorrow night!

A big thanks to the folks at Intuit who are providing the prize!  It came out of the interview I did with Bob Meighan from Intuit and the resulting posts about the TurboTax product:

Here are some other tax posts we’ve published over the last few weeks to help jog your memory about tax forms, deadlines, tax brackets, capital gains, and tax prep software:

Below are some tax articles from last year that are still relevant for you as you prepare your tax return this year:

We have more tax goodies lined up in the coming weeks; such as how to file your taxes online, how you might be able to file taxes for free, 2010 tax brackets, and some of the tax credits you’ll want to check out this year.

Written by Ben · Filed Under Taxes >Comments (0) 

Do Kids Inherit Frugality?

Our son has been making me proud lately with his unexpected frugal remarks.  The first one came as he browsed the toy aisle in a CVS pharmacy while we waited for a prescription to be filled.  As he played with the trucks he said:

“we won’t get these… they’re too expensive”

Then the next night when I went to take out the garbage I left the door open a crack.  He jumped up from across the room and yelled:

“Dad, close the door you’re letting out all the warm air”

Just last night he was running around the house turning off the lights.  He told me:

“we don’t leave the lights on, they might burn out”

Understanding Scarcity?

Of course, I’m sure he’s heard me say similar things before but I think it’s cool he’s making the connection between the frugal action and the reason behind it.  He knows the reason that we don’t buy randomly buy toys in the store is because they’re too expensive (or a rip-off as I sometimes say). 

He doesn’t really know what expensive means but he knows it’s a good reason NOT to do something.  He doesn’t understand that it costs money to create warm air in the winter or electricity for lights; but he does know that you don’t want to waste the air or the light bulbs.

I can tell he doesn’t get the overall concept of conserving your resources because of little things; like tonight he used 8 sheets of toilet paper to dry up a little spot on the floor.  He also likes to flush the toilet multiple times just so he can watch the water go down.  So far he’s only picked up on specific behaviors, not the idea as a whole.

Frugality Genes

So all this seems behavioral, stuff he’s learned from watching and listening to my wife and I. We learned it from our parents, and they learned those behaviors from theirs. What I wonder is whether any of these tendencies are inherited rather than learned.  Are there genetic characteristics that lend themselves to conserving what you have and not wasting your resources?

I doubt there is a “frugality gene” but what about the cavemen that were hunting and gathering ages ago?  Were there some families that were a little more lavish with their food and belongings or were they all “frugal” with their resources?  We often think of survival of the fittest as the strongest and fastest but maybe it was also the most frugal?  Did the family that could make the woolly mammoth meat last an extra few weeks survive while the others perished?

Maybe nature was too harsh at that point in our history and every person knew to conserve as much as possible or die.  However, as society evolved I can’t help but think frugal tendencies emerged as commerce started to develop.

The Cheap Inherit the Earth

I know there’s a Biblical passage something along the lines of the meek shall inherit the Earth.  Well maybe for the time being it will be the cheap who inherit the Earth. When the foolish spenders fall into foreclosure and bankruptcy and the stock market plunges, those with frugal genes can tap into their long accumulated rainy day funds and buy stock and property at a big discount.  Maybe as they’re bargain shopping they should be thanking their ancestors for passing on frugal genes?

What do you think?

Written by Ben · Filed Under Frugality, Personal Finance >Comments (13) 

Turbo Tax Free Trial!

A free trial of Turbo Tax?  If you visit the TurboTax site you’ll notice buttons that say “Start for Free”.  You can actually do more than start, you can complete your whole tax return for free without even creating an account with any version of TurboTax online.

You don’t have to pay until you e-file or print out your return.  I think it’s a good idea, people can see if they like the tax prep software and see how their tax return looks before they decide whether they want to buy it.  Since it’s using TurboTax online they don’t have to pay to ship you a CD so it doesn’t cost them much to let you try it out and see how you like it.

Try before you buy works to the consumers advantage with most everything else so why not tax software?  What I like is that Intuit doesn’t require you to enter a credit card number or even an email address to start working on your return.  You just click the “Try It First” button an you’re off and running on your tax return.

Of course, you might not even have to pay for filing if you can win the free turbo tax contest that’s running on Money Smart Life right now!  In case you missed it, I’m giving away three coupon codes for TurboTax Premier online edition.  Visit the turbo tax contest page to see how you can enter.

There are several other places you can go win access to TurboTax, check out the sites below for more chances to win a free tax filing this year.

Good luck!

Written by Ben · Filed Under Taxes >Comments (5) 

10 Money Tips for Couples Before Marriage

Worried about fighting over money once you get married?  You’re not alone. A survey on couples and money released last November by Capital One pointed out that younger people (18-34) are more prone to conflicts with their partner about money: 36 percent disagree monthly (or more frequently) with their partner. Sixty-five percent of those between ages 18-24 and 41 percent of those between ages 25-34 report that they have argued about money during the last 12 months.

Money problems can certainly overwhelm a relationship, particularly a relationship on the verge of marriage. Here are 10 ways prepare yourself for a more solid money foundation before you get married:

1. Agree that money is something that should be talked about: Not every couple needs a set date and time for a monthly money meeting – though that might help a lot of people. The first discussion any couple should have about money should deal with whether they can talk about it. It might be worth discussing how each person’s parents dealt with money issues and whether those practices would be worth copying or avoiding. Most important, money problems will happen in relationships – it’s important to discuss how you want to handle disclosure and working things out.

2. Swap credit reports: Before discussing who will pay the energy bill, couples need to know if they can afford it. Individuals should check all three of their credit reports – from Experian, Trans Union and Equifax – on a staggered basis throughout the year to get an idea of debt amounts and to catch inaccuracies that might surface during the year. Ignore all the heavily advertised “free” credit report services and go to the Annual Credit Report site for credit reports that are actually free.

Swap reports when they arrive and check the other’s data for inaccuracies and changes from the previous reporting period that might signal an increase in borrowing or the possibility of identity theft. And again, make sure you talk about it.

3. Discuss all the past baggage: If couples have been previously married or in other live-in relationships, there might be expenses associated with kids to consider or previous debts and bankruptcies. If you’ve seen each other’s credit reports, that might also add a few topics for discussion. You’re not ready to handle money until you understand how both sides have handled it in the past. Talk about money priorities for the kids, and how one or both of you will extinguish debt.

4. Discuss money dreams: Part of the reason money discussions can be so stressful for couples is that most discussions focus on problems. Make sure you also discuss positive stuff – like how you’ll afford travel you both want to do, how and when you’ll be able to buy a house, future tuition dollars or how you’ll afford to start a family.

5. Build a first budget: If you’re moving in together, you need to create a budget. The first step is tracking current income and spending data for at least three months and making sure you’re noting important expenses coming up in the future. If you want help, it’s easy to get. A financial planning professional can help you measure where your money is currently going and where you might have opportunities for necessary spending or saving.

6. Decide how – or whether – you’ll merge your money: Being a couple means building shared financial connections. The extent of those connections is up to you. Talk about combined checking and savings accounts and access to each other’s investments.

Joint checking accounts have several advantages – they allow for simplified recordkeeping and greater transparency on what both sides are doing with money. Separate checking accounts allow for greater independence and individual responsibility over money.

7. Be very careful about joint credit: There was a time when women couldn’t easily get credit and were solely dependent on the credit history of their husbands while their men were alive – once the male spouse died, so did the wife’s credit opportunities. That changed with a broadening of lending law in the 1970s, and it’s particularly important that both partners establish credit in their own names with a good history of using that credit.

Surviving spouses have the freedom to establish credit, but without a solid history, it may be particularly tough to get credit at a time when they really need it. Also, surviving spouses have to pay off outstanding credit held jointly, so it’s critical to keep those accounts under control.

8. Consider  a prenuptial agreement: If one or both partners or potential spouses have sizable assets or particular priorities about allocating money for specific purposes, charities or family members, a prenuptial might be worth a discussion. A financial planning professional can work with tax, estate and matrimonial attorneys to work out that agreement in a way that’s advantageous to both sides.

9. Talk about long-term savings, investing and estate issues: Even couples who keep separate finances need to prepare their income and retirement plan together to maximize the money they’ve worked for. A financial planning professional can help couples sort through their goals and what it will take to get there and how a potential inheritance may affect these plans and potential estate issues.

10. Plan for the unexpected: Couples should begin building safety nets from the beginning. Building an emergency cash reserve fund to cover between three to six months of living expenses should be a first goal. Then, depending on living circumstances and whether children or significant assets are involved, couples should develop estate plans as early as possible including wills, powers of attorney and specific plans to pass or dispose of business assets.

A discussion about beneficiary designations on life insurance policies, 401(k) plans and IRAs is also a must. While worst-case scenarios don’t make for the most enjoyable conversations, these discussions are better done before death, illness or a financial emergency makes such plans essential.

These money tips for couples were produced in association with the Financial Planning Association (FPA), the leadership and advocacy organization connecting those who provide, support and benefit from professional financial planning.

For more tips on finances and marriage check out our Money & Marriage series, a Couples Guide to Managing Money and Finding Financial Bliss!

Written by Ben · Filed Under Marriage Money, Personal Finance >Comments (10) 


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