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How to Be Reunited With Your Long-Lost Money Are you owed money you don’t even know about? You might be, if your name is in an unclaimed property database. Each year, billions of dollars from forgotten security deposits, refunds, uncashed paychecks and even old bank accounts are reported to state agencies. And each year, according to the National Association of Unclaimed Property Administrators, an organization affiliated with state treasury departments, states return more than $3 billion to their rightful owners.…

For online grocery delivery, add fees to the list I haven’t set foot in a grocery store in nearly four months. With a 10-month-old baby to think about, my husband and I have kept trips to the store to a minimum out of an abundance of caution during the pandemic. We’re fortunate to have just about every grocery delivery service at our disposal — and we’ve taken advantage. In between orders from Costco, Whole Foods, Imperfect Foods and more, I’ve…

Financial Lessons We’ve Learned While Staying at Home Shelter in place. Lockdown. Quarantine. Whatever you call it, it’s been a few months since the COVID-19 pandemic taught us what staying home for an extended period of time actually looks and feels like. These are unprecedented times. And although things are unpredictable right now, we can control our ability to emerge from this challenge differently than we entered it. “Like everything in life, every challenge and every hardship is a lesson…

Where Coronavirus Relief Checks Go, Fraudsters Follow The Internal Revenue Servicehas begun depositing stimulus checks electronically into bank accounts. If you’ve gotten yours, great. Now, guard that money, because scammers are eager to pick your pocket. If you’re still waiting for your payment — or running into unverified offers or communications — healthy skepticism is your best friend. As of Wednesday, the Federal Trade Commission had received more than 18,000 complaints related to COVID-19 this year, with consumers losing more…

4 Things to Know if You’ve Never Budgeted BeforeWe’ve entered a new year and a new decade. Not surprisingly, this fresh start has probably brought new goals to mind — like money management.If you’re planning to start balancing your income and spending, here are four things to keep in mind before you dive headfirst into budgeting in 2020.1. Budgets aren’t just a New Year’s resolutionIf budgeting is one of your New Year’s resolutions, maybe it’s time to think about it differently.“My personal…

How to Actually Keep Your New Year’s Debt ResolutionPaying off debt in the new year is a common resolution. But resolving to do something and actually doing it are two different things.Taking a smart approach to building good habits, however, can help you master your debt in the coming year.Jon Bailey, professor emeritus in the psychology department at Florida State University, suggests applying some principles of behavioral psychology to help you create sustainable habits.“Our general approach is really from the…

Why You Should Hit the Store on the Day After ChristmasCustomer service desks will be packed on the day after Christmas with consumers requesting refunds and exchanges, but store aisles will be packed with something else — deals.Here’s why you should venture out on Dec. 26, and how to emerge with a bargain instead of a headache.Seasonal staples will be on saleAfter-Christmas shopping used to be mostly about returns and exchanges, according to Howard Forman, a marketing professor at California State University, Fullerton.…

Black Friday: If No Price Match, Go for Cash Back On almost any day of the year, consumers can shop around, compare sale prices and ask one retailer to match a lower price at another retailer. Black Friday is usually an exception to that rule. When price matching isn’t an option, cash-back websites, apps and credit cards can still ensure you’re getting a good Black Friday deal. Price matching exclusions In most cases, you won’t be able to price match…

How to Budget for December Holidays in OctoberYou might have pumpkins on your porch, but it’s already time to make room for the year-end holidays in your budget.“I was at Costco the other day, and I already saw Christmas trees, [so] we need to be thinking about it right now,” says Nick Givogri, a California-based regional executive for investment service Merrill Edge.Here’s how to get started.Work backwardYour past holiday spending is the best indicator of what you’ll spend this season,…

Will You Be a Scam Artist’s Next Target? Believing that fraud can’t happen to us — because we’re too smart, logical or informed — may make us more vulnerable. Successful scam artists skillfully overcome our defenses and get us into emotional states that override logical thinking, says Kathy Stokes, AARP’s director of fraud prevention programs. “Scammers call it getting the victim under the ether,” she says. Various studies have tried to identify characteristics that make people more susceptible to fraud.…

Ace Back-to-School Shopping With 6 Smart MovesBack-to-school shopping is an expensive chore. And if you shop local sales, it’s a chore you’ll share with thousands of other parents in the vicinity. If it’s big savings you’re after when you brave the crowds, sales flyers won’t cut it. You’ve got to get creative.“Back-to-school shopping can put a big strain on family budgets, but planning ahead to take advantage of discounts, setting a budget, and only buying what your child actually needs…

Enjoy Your Summer Vacation — Without Maxing Out Your Credit Cards By Eric Jorgensen School is out, and summer is upon us. It’s time to let loose and have some fun. That sounds great in theory, but it can be horrible for our finances if we aren’t careful — especially when it comes to taking summer vacations. For many people, travel is a significant part of their summer budget, but reckless spending while on vacation can wreak havoc on their…