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Money
- Banking
- Budgeting
- Credit Cards
- Debt
- Home-Buying
- Housing
- Insurance
- Investing
- Retirement
- Scams
- Shopping
- Personal Finance
- Side-Hustles
- Taxes
Two Cents demystifies personal finance and teaches you how to budget on your own terms, which investments are right for you, and how to achieve financial independence and a comfortable retirement.
More Money
![person handing over keys to another person over desk](jpg/hero-image.fill.size_245x138.v1711471911.jpg)
![person handing over keys to another person over desk](jpg/hero-image.fill.size_245x138.v1711471911.jpg)
You Should Run a Background Check on Your Future Landlord (and Yourself)
Check out your potential landlord—and find out what red flags they might find on you.
![Freelancer at desk](png/hero-image.fill.size_245x138.v1711400189.png)
![Freelancer at desk](png/hero-image.fill.size_245x138.v1711400189.png)
Five Tax Deductions You Shouldn’t Miss Out On
By maximizing your deductions, you can reduce your taxable income and potentially save a significant amount on your tax bill.
![Frustrated man looking at paperwork](png/hero-image.fill.size_245x138.v1711384573.png)
![Frustrated man looking at paperwork](png/hero-image.fill.size_245x138.v1711384573.png)
The Four Tax Myths to Be Aware of in 2024
Avoid costly mistakes (and headaches) when you're filing your taxes on April 15.
![Woman leaving desk job](png/hero-image.fill.size_245x138.v1711124614.png)
![Woman leaving desk job](png/hero-image.fill.size_245x138.v1711124614.png)
Why You Should Open a 401(k) at a Short-Term Job
Even if you're job-hopping, you should still be thinking about retirement.
![Hands holding credit card](png/hero-image.fill.size_245x138.v1711054158.png)
![Hands holding credit card](png/hero-image.fill.size_245x138.v1711054158.png)
The 15/3 Hack Could Boost Your Credit Score
Use this simple payment schedule to send your credit score in the right direction.
![Self-employed florist taking a call](png/hero-image.fill.size_245x138.v1710943119.png)
![Self-employed florist taking a call](png/hero-image.fill.size_245x138.v1710943119.png)
How to Get a Mortgage When You’re Self-Employed
It might more challenging compared to traditional employees, but it's not impossible.
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![Beauty and personal care products](png/hero-image.fill.size_245x138.v1711056460.png)
The Best Beauty and Personal Care Products in Amazon's Big Spring Sale
It's time to splurge on some curling irons and microcurrent devices.
![Water heater attached to house](jpg/hero-image.fill.size_245x138.v1711040183.jpg)
![Water heater attached to house](jpg/hero-image.fill.size_245x138.v1711040183.jpg)
When to Get a Tankless Water Heater (and When Not To)
If you have a large family or a small space, a tankless water heater may be more trouble than it’s worth.
![small bathroom decorated in neutral colors](png/hero-image.fill.size_245x138.v1711035955.png)
![small bathroom decorated in neutral colors](png/hero-image.fill.size_245x138.v1711035955.png)
When It’s Actually a Good Idea to Remove a Bathroom
More bathrooms isn't always better, despite what we've been told.
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![Credit card transaction](png/hero-image.fill.size_245x138.v1710865697.png)
Beware of 'Deferred Interest' Promotions
These promotions sound like a great deal, but they're usually a trap.
![Man looking out at vista while sitting on bench](jpg/hero-image.fill.size_245x138.v1710862430.jpg)
![Man looking out at vista while sitting on bench](jpg/hero-image.fill.size_245x138.v1710862430.jpg)
The Difference Between FIRE and FILE (and Which Is Right for You)
There's no one right way to achieve financial independence.
![Woman looking at a phone and working in a small notebook](png/hero-image.fill.size_245x138.v1710786539.png)
![Woman looking at a phone and working in a small notebook](png/hero-image.fill.size_245x138.v1710786539.png)
Here’s When a Cash Management Account Is Better Than a Savings Account
Here's a liquid, low-risk place to store your cash outside of a traditional bank.
![Screenshots of misleading TikTok videos](png/hero-image.fill.size_245x138.v1710775069.png)
![Screenshots of misleading TikTok videos](png/hero-image.fill.size_245x138.v1710775069.png)
Ignore This Tax Advice From TikTok
Tax "loopholes" may be good for going viral, but they're rarely good for your tax planning.
![Woman focusing on laptop](png/hero-image.fill.size_245x138.v1710517446.png)
![Woman focusing on laptop](png/hero-image.fill.size_245x138.v1710517446.png)
The Best Tax Filing Services for 2024
The clock is ticking to get in your 2023 tax returns.
![Man looking at car engine while on smartphone](jpg/hero-image.fill.size_245x138.v1710435228.jpg)
![Man looking at car engine while on smartphone](jpg/hero-image.fill.size_245x138.v1710435228.jpg)
Why You Might Need Mechanical Breakdown Insurance for Your Car
Mechanical breakdown insurance can make it possible to get your car fixed without losing your shirt.
![Bitcoin mining](png/hero-image.fill.size_245x138.v1710442412.png)
![Bitcoin mining](png/hero-image.fill.size_245x138.v1710442412.png)
What ‘Bitcoin Halving’ Means (and Why It Matters)
The amount of bitcoin available is expected to cut in half in late April.
![House in floodwaters](jpg/hero-image.fill.size_245x138.v1710429747.jpg)
![House in floodwaters](jpg/hero-image.fill.size_245x138.v1710429747.jpg)
How to Avoid Force-Place Insurance on Your Home or Car (and Why You Should)
Lenders sometimes go ahead and purchase insurance you don’t need.
![A photograph of a quaint blue house with a yellow door and a bright green lawn.](png/hero-image.fill.size_245x138.v1710352921.png)
![A photograph of a quaint blue house with a yellow door and a bright green lawn.](png/hero-image.fill.size_245x138.v1710352921.png)
Why Mortgage Lenders Charge Prepayment Penalties (and How to Avoid Them)
Be aware of all the sneaky terms before you get a mortgage.
![Range rover](png/hero-image.fill.size_245x138.v1710257234.png)
![Range rover](png/hero-image.fill.size_245x138.v1710257234.png)
The Truth About the Range Rover Tax 'Loophole'
Please don't get a luxury car and try to write the whole thing off.