Gina Ragusa
Gina Ragusa
Contributor, Payoff

Should you send your kids to online school? These are the pros and cons — and the costs.

Teen activist Jazz Jennings and other experts weigh in on the benefits of taking classes online.

How to give better in 2018: Do more with less money for your family, friends and community

Here are three ways to get more meaning out of your money, by spending it wisely on your community and loved ones — while still having plenty of cash to take care of yourself.

Buy a car in 2018: Whether used or new, how to get the best deal — and save on insurance and more

What used cars for sale and car insurance is best for you? To save money and make smart choices on your wheels — if you plan to ditch car rentals for good — follow these 7 auto buying tips.

How much does a baby cost? From kids to teens, how to save enough money and afford a child

Here's how much cash to budget if you are thinking about having a baby — or are already on that path!

How to buy a house or apartment: 10 foolproof steps to get your dream home on a budget

Yes, you can get your dream home and still save money. Here are the smartest ways to close on a house or apartment you love — without totally blowing your budget.

5 easy moves to plan the perfect wedding — without going broke

Wedding dresses, venues, cake, invitations, band and more planning questions stressing you out? Never fear: These 5 easy steps will get you through the process — so your perfect day stays on budget.

Want to save money in 2018? 15 things that will be cheaper — or more expensive — in the new year

From college to cars, 2018 will bring price changes on a number of commodities.

On sale after Christmas: These are the 5 best deals in December if you’re shopping before New Year’s

Forget Boxing Day: Save money by buying everything on sale year-round. Here are the best deals and discounts — from Amazon to Target and beyond — that you can find in late December.

The 17 biggest money lessons of 2017 to end up richer and wiser — and ready for 2018

As 2017 turns into 2018, here are the most important financial and career lessons of the last year to take with you into a smarter, richer, happier, better future.

Holiday Tipping Guide 2017: How to tip, who to tip and how much to give — without a calculator

Forget the tip calculator. How much to tip is the perennial holiday question, but this 2017 guide will explain all — whether you're worried about tipping for delivery, your hairdresser and more.

3 sneaky scams to beware during the 2017 holiday season

Bitcoin scams, IRS or tax scams, PayPal scams... and that’s not all! Here are three major types of scams to be on high alert for during the 2017 holiday season — online, by phone or by email.

Career Advice: Don’t make these 5 office holiday party mistakes

Office Christmas or holiday party coming up? Avoid these foibles, lest you embarrass yourself at a work event — or offend your coworkers.

Career inspiration: 15 emerging jobs growing fastest in the US

Looking for a new job in 2018? Coding gigs are hot, but you don't have to love math or science to get in on an emerging career area. Here are ideas and some smart advice.

Credit card payment pain? Pros and cons of store cards from Walmart, Amazon, Costco, TJX and more

What is the best store credit card? Are they good value? What to know on the Amazon Prime card, as well as those from Walmart, Target, Gap, Macy's, TJ Maxx, Costco, Best Buy, Home Depot and JCPenney.

Need stress relief? 3 simple steps to feel better about life and happier at work every day

Here's how to start feeling better every day — and stop taking work stress home with you — by better blocking out your time.

New credit card? To avoid payment drama, make this one crucial move when you open an account.

Watch out for this sneaky fine print that limits your consumer rights.

Career Advice: This is the best month and time of year to apply for a new job

When is the best time to apply for a job? Here's what data and experts suggest is the smartest season, month, day of the week and time of day to job hunt.

Cyber Monday 2017 Deals: The best Amazon, Walmart, EBay, Etsy & Old Navy offers, flight deals & more

Black Monday or Cyber Monday 2017 is expected to be the biggest online shopping day in history. Here are the best deals on Christmas or holiday gifts around — plus other tips on how to save money.

2017 Holiday Shopping Secrets: 7 hacks to save money on everything you buy, every time

Black Friday? Cyber Monday? Forget about it — you can pay less for purchases every remaining day of the year with a few genius shopping secrets and tricks to get a deal every time you shop.