Budgeting basics

A budget is a spending plan that helps you understand how much money you're making and where you're spending it. A budget is the cornerstone of a strong financial plan.

Envelope budgeting

Zero-based budget

Create a home budget

Budgeting tips

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Bankrate offers 18 ideas for stretching your budget to save money.

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If your discretionary income is low, you could pay $0 on your federal student loans.

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Our guide tackles the basics of disposable income and how you can use it to budget.

Essential reading

Calculate your savings

Use our Savings Calculator to help you quickly and accurately estimate the growth of your investment. Set a goal and figure out how much you need to save each month to hit the mark.

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Latest articles

Illustrated by Bankrate

Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.

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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

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Here are simple steps to take to avoid paying checking account fees.

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In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.

young woman become online scammers victim

How to avoid these banking mistakes.

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Here’s what other banks have to offer that you might be missing out on at yours.

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Consumers without a bank account face hurdles when trying to cash a check.

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Monthly budgets are popular because many expenses, such as rent and bills, occur monthly.

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An emergency fund is an essential part of a solid financial plan.

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It’s important to find the right accounts for your emergency savings.

Rainy day and emergency funds differ but together provide a sound financial plan.

Calendar of 2023

Use this challenge to stash more cash toward your savings goals.

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Creating a timeline is a useful way to plan and meet all your financial goals.

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Financial goals are measuring sticks that apply to any area of your money management skills that you’re looking to improve.

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If you want to get a leg up on parenthood, consider these moves.

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Online banks offer higher APYs and lower fees than brick-and-mortar and are safe.

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These simple steps will help you get the homebuying process underway.

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Apple’s new savings account offers a competitive rate. Here’s how it compares.

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These smartphone apps are great for helping busy students manage their money.

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Several types of saving accounts are available to help your child pay for college.

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Single people face both challenges and advantages of handling finances solo.

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Being successful as a freelancer requires strong money management skills — these tips can help.

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