FangWallet — Personal Finance Blog on Passive Income Ideas.

Disclaimer: The content of this website is for informational purposes only and does not represent investment advice, or an offer or solicitation to buy or sell any security, investment, or product. Investors are encouraged to do their own due diligence, and, if necessary, consult professional advising before making any investment decisions. Investing involves a high degree of risk, and financial losses may occur including the potential loss of principal. This site may contain references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services. Nonetheless, our opinions are our own.

Take the 2-week challenge.

Learning personal finance has no bounds. Now, without the language barrier.

View languages

Beginner's Guides

How to Successfully Budget and Win the Mental Battle of Saving

By Albert Fang June 17, 2020

As much as I hate to admit it, saving money can be a very hard topic to crack depending on the individual. Measuring success for budgeting and saving money can look very different because living a frugal lifestyle relies heavily upon the individual to adopt an unrealistic good set of habits from cold turkey sometimes.

Credit Cards

Demystifying How to Get a Good Credit Score

By Albert Fang November 30, 2017

Believe it or not, having more than one credit card is beneficial to the financial health of your credit history. One of the common myths of owning a credit card is having one too many. But, nowadays, I've noticed that the problem most people have is sticking to only one credit card. The one credit

Beginner's Guides

5 Steps to Budgeting and Saving for Retirement Effectively

By Albert Fang November 27, 2017

Budgeting and planning for retirement can be a boring, gruesome task that takes a toll on one's self worth. Before you know it, after doing some calculations, you may find that you are in an even bigger financial hole than you thought you were. One of the biggest mistake a person can make is neglect

Health

How Much Is a Dentist Appointment Without Insurance?

By Jason Zweig April 15, 2025

Dental care costs in the U.S. can be high without insurance. A routine cleaning may cost $200 or more. Roughly one-third of Americans do not have dental insurance. Affordable options include dental schools, community health centers, and dental savings plans. Dental schools offer low-cost services through supervised student-run clinics. Community health centers base

Legal

Is That Bag Really Worth It? What Women Should Know About the Luxury Tax

By Christine Benz April 15, 2025

A luxury tax is placed on expensive, non-essential goods and services. It often targets items liked by rich people. These taxes are meant to bring in money for the government and help balance wealth in society. Typical luxury items taxed include expensive cars, yachts, private jets, jewelry, and designer goods. Some critics say

Beginner's Guides

First-Time Home Seller? Use a Realtor Commission Calculator

By Ben Carlson April 15, 2025

Learn to use a realtor fee calculator when you sell your home for the first time. Understand why good cost estimates are important and how they influence your profit. See how this tool can help you plan and negotiate better. Find smart ways to reduce commission costs. Look at the trends in commission

Banking

AVS vs. CVV Codes: What’s the Difference?

By Kent Baker April 15, 2025

AVS and CVV help see who is using the card and reduce online credit card fraud. AVS checks the billing address you enter at checkout and matches it with the card issuer's address. CVV is a credit card code showing the buyer has the card with them. These tools make online payments safer

Banking

How to Spot and Avoid Fake Refund Check Scams

By Emily Birken April 15, 2025

Fake check scams happen when you get a check and someone asks you to send some money back. These scams are common and can lead to big losses for people. Fake checks are getting harder to notice and feel more real. You can identify fake checks by checking their origin, examining their security

Beginner's Guides

The Cheapest Way to Set Up a Sole Proprietorship in Any State

By John Beach April 15, 2025

A sole proprietorship is the easiest way to run a business. It combines your own and business risks. It requires very little paperwork, usually just local licenses and permits. You put business income and losses on your tax return. You use Schedule C for this. Owners are responsible for all business debts. Consider

Beginner's Guides

Why Logo Copyright Matters for Your Business and How to Secure It

By Emily Birken April 15, 2025

A logo is an important part of your brand identity, and getting its copyright is key to keeping your business safe. Copyright lets you decide how your logo is used, copied, and shared. In the United States, copyright law is managed by the U.S. Copyright Office. Copyright protection starts when your logo is

Personal

How Rocket Money Earns and What It Reveals About Money Apps

By Perkins Willow April 15, 2025

Rocket Money is an app for managing money. It has both free and paid features to help people with their finances. The app mainly earns money from paid subscriptions and from negotiating bills. Rocket Money helps users manage their money. It has tools to cancel subscriptions and save automatically. Its way of making

Beginner's Guides

Envato for Freelancers: Use the Platform to Land Clients

By Kent Baker April 15, 2025

Envato is an online marketplace that allows freelancers to find paying clients. Envato Studio brings together businesses and skilled freelancers, offering many creative services. Freelancers can increase their visibility by creating professional profiles and setting fair rates. Tools like ThemeForest and project management platforms help improve workflow and client satisfaction. Designers, developers, writers,

Beginner's Guides

Envato API Integration: A Beginner’s Guide for Developers

By Josh Brown April 15, 2025

Make your work easier by adding Envato’s big library to your projects. Use high-quality templates, plugins, and graphics to save time on development. Improve client work with great designs—no need for much design experience. Cut project costs by changing ready-made items to fit your needs. Get better design quality using fully customizable resources

Investing

Weekly Mortgage Rates Rise on Tariff Announcement

By Emily Birken April 15, 2025

This week, mortgage rates saw a notable uptick following the recent tariff announcement. Homebuyers may feel the pinch as lenders adjust rates in response to economic shifts. Staying informed can help you navigate these changing markets effectively.

Beginner's Guides

How To Make $3,000 a Month – 14 Real Ways

By Christine Benz April 15, 2025

Are you looking for ways to boost your income? Discover 14 practical strategies to make an extra $3,000 a month. From freelancing and online tutoring to passive income streams, there are real opportunities waiting for you. Let’s dive in!

Education

How to Talk to Your Children About Student Loans: 6 Key Points

By Sarah Newcomb April 15, 2025

Discussing student loans with your children can be daunting, but it's essential. Start with open dialogue about finances, set realistic expectations, and highlight the importance of budgeting. Teaching them early prepares them for a financially responsible future.

Investing

Sacrificing The Stock Market For The Good Of Your Loving Home

By Perkins Willow April 15, 2025

In today's fast-paced world, prioritizing a loving home often means sacrificing potential stock market gains. While investments may promise financial growth, the true wealth lies in nurturing relationships and creating a supportive environment for our loved ones.

Deals

The Garmin Instinct 2 Solar Smartwatch is $170 Off

By John Beach April 15, 2025

If you’re looking to enhance your outdoor adventures, the Garmin Instinct 2 Solar smartwatch is now $170 off! With robust features and solar charging, it's perfect for tracking your activities while staying connected. Don’t miss this great deal!

Deals

Arlo Wireless Security Camera Hits Lowest Price Ever

By Emily Birken April 15, 2025

If you've been eyeing the Arlo Wireless Security Camera, now is the perfect time to snag it! It’s currently at its lowest price ever, making it an affordable option for enhancing your home security. Don't miss out on this deal!

Beginner's Guides

How to Reach a Real Person at the IRS Faster

By Perkins Willow April 15, 2025

Navigating IRS customer service can feel daunting, but there are strategies to reach a real person without endless hold times. Try calling during off-peak hours, using the right prompts, or visiting local offices for face-to-face assistance.

Banking

Best Credit Cards for Everyday Use

By Sarah Newcomb April 15, 2025

Looking for the best credit cards for everyday use? In this listicle, you’ll discover top picks that offer great rewards, cash back, and low interest rates. Whether you shop online or at your local grocery store, we’ve got options tailored just for you!

Deals

Unlimited Burgers for $20 with Red Robin’s Bottomless Burger Pass – Don’t Miss Out!

By John Beach April 15, 2025

The Red Robin Bottomless Burger Pass is a mouthwatering deal for burger lovers! For just $20, enjoy gourmet burgers and endless sides for an entire month. Indulge in a variety of flavors and sides daily—it's a feast that satisfies cravings without breaking the bank!

Investing

How to Maximize Your Social Security Benefits and Secure your Finances

By Emily Birken April 15, 2025

In a recent talk, Scott Galloway emphasized the urgent need for financial literacy, especially regarding Social Security. He highlighted that understanding money management is crucial for future stability, urging listeners to take charge of their financial futures.

Beginner's Guides

2025 Rental Income Tax Changes Every Canadian Property Owner Needs to Know

By Jason Zweig April 15, 2025

As a Canadian property owner, it's vital to stay updated on rental income tax changes in 2025. New regulations aim to simplify reporting while enhancing compliance measures. Understanding these shifts can help maximize your investment returns and ensure tax readiness.

Business

How Inflation Has Caused College Tuition to Surge 400% Since the 1980s

By George Mount April 15, 2025

As I reflect on my college experience, the staggering rise in tuition costs stands out. Over the past few decades, tuition has dramatically outpaced inflation, leaving many students burdened by debt. Understanding this trend is crucial for future generations.

Frugal Living

Everything You Need to Know About Prepaid College Meal Plans

By Kent Baker April 15, 2025

Navigating college life can be overwhelming, but a prepaid college meal plan simplifies your dining experience. These plans not only save you money but also offer convenience and flexibility, ensuring you can focus on your studies without worrying about meals.

Auto

How Japanese Automakers Are Adapting to the U.S. Trade War

By Ben Carlson April 15, 2025

Amid escalating tensions in the U.S. trade war, a prominent Japanese carmaker has made significant cuts to production. This move reflects their urgent need to navigate complex tariffs and maintain market stability, impacting both jobs and consumers worldwide.

Personal

How to Overcome Relationship Burnout and Reignite Connection

By Christine Benz April 15, 2025

Burnout has evolved beyond the workplace, infiltrating our personal relationships. As stress accumulates, emotional exhaustion seeps into our interactions, leading to misunderstandings and a decline in connection. Recognizing this shift is the first step toward healing.

Career

Considering a Job Shift? Here’s Why a Career Assessment Is Important

By FangWallet Editors April 14, 2025

Job dissatisfaction isn’t rare. Many people feel stuck at some point. You might wake up, go to work, and feel drained before the day begins. It’s not always because you’re lazy or unmotivated. Sometimes, the role just doesn’t fit who you are anymore—or maybe it never did. Thinking about switching jobs can be exciting. It

Lifestyle

How to Make Your Family Budget Meeting Collaborative and Enjoyable

By FangWallet Editors April 14, 2025

When planning your next family budget meeting, keep it engaging with these 9 easy steps. From setting a comfortable atmosphere to using visuals, you’ll encourage collaboration and understanding. Let’s turn budgeting into a fun and rewarding experience!

Today an Insider.
Tomorrow, Financial Independence.

Learning personal finance has no bounds. Now, without the language barrier.

2025 Top FangWallet Picks

How to Successfully Budget and Win the Mental Battle of Saving

Demystifying How to Get a Good Credit Score

5 Steps to Budgeting and Saving for Retirement Effectively

How Much Is a Dentist Appointment Without Insurance?

Is That Bag Really Worth It? What Women Should Know About the Luxury Tax

First-Time Home Seller? Use a Realtor Commission Calculator

AVS vs. CVV Codes: What’s the Difference?

How to Spot and Avoid Fake Refund Check Scams

The Cheapest Way to Set Up a Sole Proprietorship in Any State

Why Logo Copyright Matters for Your Business and How to Secure It

How Rocket Money Earns and What It Reveals About Money Apps

Envato for Freelancers: Use the Platform to Land Clients

Envato API Integration: A Beginner’s Guide for Developers

Weekly Mortgage Rates Rise on Tariff Announcement

How To Make $3,000 a Month – 14 Real Ways

How to Talk to Your Children About Student Loans: 6 Key Points

Sacrificing The Stock Market For The Good Of Your Loving Home

The Garmin Instinct 2 Solar Smartwatch is $170 Off

Arlo Wireless Security Camera Hits Lowest Price Ever

How to Reach a Real Person at the IRS Faster

Best Credit Cards for Everyday Use

Unlimited Burgers for $20 with Red Robin’s Bottomless Burger Pass – Don’t Miss Out!

How to Maximize Your Social Security Benefits and Secure your Finances

2025 Rental Income Tax Changes Every Canadian Property Owner Needs to Know

How Inflation Has Caused College Tuition to Surge 400% Since the 1980s

Everything You Need to Know About Prepaid College Meal Plans

How Japanese Automakers Are Adapting to the U.S. Trade War

How to Overcome Relationship Burnout and Reignite Connection

Considering a Job Shift? Here’s Why a Career Assessment Is Important

How to Make Your Family Budget Meeting Collaborative and Enjoyable

Today an Insider.Tomorrow, Financial Independence.

Learning personal finance has no bounds. Now, without the language barrier.

2025 Top FangWallet Picks

Today an Insider.
Tomorrow, Financial Independence.