Michelle Singletary

Financial Advice on How to Improve Your Credit Score

By Michelle Singletary, Posted September 11th, 2014

There are no shortcuts to strengthening your credit score.

Say that to yourself three times a day until you stop trying to figure out or waste good money searching for an easy fix to boosting your creditworthiness.

I say this because I was taking calls from some radio listeners recently... READ MORE

Michelle Singletary

Headache-Free Retirement Planning

By Michelle Singletary, Posted September 9th, 2014

Every time one of my children says, “Back in your day,” I wince.

After watching an old black-and-white sitcom, my son actually asked me if there was color television back in my day. His sisters thought it was funny. Me? Not so much.

I will say this. Back in the day, retirement was a lot less... READ MORE

Michelle Singletary

How to Keep Your College Freshman From Going Broke

By Michelle Singletary, Posted August 27th, 2014

Written by Jonnelle Marte

Sending kids off to college is about more than decorating the dorm room.

Parents also need to school their children about budgeting, the risks of using credit cards and other money issues, financial advisers say. Habits they form now can help — or hurt... READ MORE

Michelle Singletary

Why Everyone Deserves to Unplug on Vacation

By Michelle Singletary, Posted August 22nd, 2014

With summer coming to a close soon, lots of people are bemoaning the end to their annual ritual of taking time off. I know I’m sad summer is almost over. About 15 years ago, my husband and I decided that we would take two consecutive weeks off every year.

We found that one week wasn’t... READ MORE

Michelle Singletary

Before You Say 'I Do,' Be Careful What You Owe

By Michelle Singletary, Posted August 19th, 2014

There are times when you’re right but you wish you weren’t. This is one of those times.

Ten years ago, a reader wrote to me asking for advice about his relationship with his girlfriend. It was near Valentine’s Day, and he wanted to ask her to marry him. But he had major reservations... READ MORE

Michelle Singletary

Freshman Financial Orientation

By Michelle Singletary, Posted August 7th, 2014

Thousands of high school graduates will be starting their first semester of college soon, and they have a long list of things they want and need.

But don’t just send them off with dorm-room basics or a backpack of books without the financial essentials they’ll also need.
I’ve put together... READ MORE

Michelle Singletary

No Quick Fix for Those Deep in Debt

By Michelle Singletary, Posted July 17th, 2014

Many people who are deeply in debt are desperate for a quick fix.

They ask the question: What can I do to get out of debt?

But they aren’t willing to accept the answer I give them, which is that it takes time. And discipline. And sacrifice. It takes cutting your expenses or working more, or both.... READ MORE

Michelle Singletary

How To Put The Right Foot On The Corporate Ladder

By Michelle Singletary, Posted July 11th, 2014

Across the country this summer, young adults fresh out of college are starting their careers. Many will find the job isn't just about the work they will be doing.

Anyone with an office job knows there's so much you have to deal with — some of which can hinder a career. Make the wrong... READ MORE

Michelle Singletary

How to Create An Emergency Savings Fund

By Michelle Singletary, Posted July 3rd, 2014

Saving for an emergency is supposed to be the key to establishing a financial safety net. Yet studies continue to show that people aren't putting their money away. The latest evidence comes courtesy of Bankrate.com, which on a monthly basis takes the pulse of how secure people feel about their personal... READ MORE

Michelle Singletary

A Painful Choice For Caregivers

By Michelle Singletary, Posted June 17th, 2014

She just wouldn’t move.

My sisters and I had a meeting with our mother to talk about her living situation. It was hard to care for her when she lived in another state.

After two strokes, she had trouble walking. She needed help with meal preparation and bathing. She got some assistance from friends,... READ MORE