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YNAB Review: Can a Budgeting App Earn Its Subscription?

A budgeting app is only worth paying for if it helps you keep more money than it costs. I tested YNAB with that question in mind: does it change decisions, or just make the numbers look nicer?What it does wellYNAB asks you to assign the money you already have to specific jobs. That makes upcoming bi...
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Could a Smart Thermostat Help Lower Your Energy Costs?

A year-long analysis of thermostat data from 50,000 U.S. households reported average annual heating and cooling savings of $210 among users of a smart-home energy system. That’s an encouraging finding—but it’s an average, not a promise that every household will save the same amount.As someone who ap...
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A small investing increase I can actually stick with

I’m testing a simple way to invest more without waiting for a perfect month: increase my automatic contribution by $10 every three months.I started at $50 a month. After three months, I moved it to $60. Then $70, and now $80. It’s not a dramatic change, but it’s easier to manage than trying to make ...
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Could More Small Businesses Qualify for SBA Programs?

This could be a meaningful change for a lot of small-business owners. The SBA has proposed simplifying its size standards and raising some thresholds, which could make more than 110,000 additional firms eligible for certain small-business programs—including some loans and federal contracting opportu...
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