Effective budgeting helps you pay bills on time, avoid overspending, strengthen your credit score and work toward bigger goals like paying off debt or moving into your first apartment. However, budgeting isn’t one-size-fits-all. It depends on your financial situation, income, spending habits and what works best for you.

Opening new financial accounts involves more than just signing on the dotted line. Here are some tips on what to expect so you can be prepared when paperwork or applications start to trickle in.  

Money-transfer apps and services like Zelle have revolutionized the way we send and receive money. But make sure you’re doing it safely.

In the heart of rural America, small businesses, which have served as the backbone of these communities, are evolving.