Budget & Save | Funded Wallet

Banking

Checking vs Savings Accounts: Put Every Dollar in the Right Place

Learn when to use checking and savings accounts, how to compare fees and access, and how to divide money between everyday spending and short-term goals.

Home & Insurance

Mortgage Down Payment: How Much Cash Should You Use?

A mortgage down payment should balance loan cost with the cash you need after closing. A larger amount can reduce the loan, payment, and mortgage-insurance cost, but using every available dollar can leave the household unable to handle repairs, moving costs, or income disruption.

Taxes

Tax Refunds: Track the Return Before Planning the Money

A federal tax refund generally means payments and refundable credits exceeded the tax shown on the return. It is not a bonus from filing, and a larger refund is not automatically a better financial outcome.

Budget & Save

Free, Paid, or Manual? A Budgeting App Comparison

Compare the practical benefits and drawbacks of budgeting apps, including automation, visibility, cost, privacy, accuracy, and the work needed to maintain them.

Browsing: Budget & Save

Free, Paid, or Manual? A Budgeting App Comparison

Budgeting Apps: A Practical Guide to Choosing One

Your Emergency Fund Target Should Fit Your Risk, Not a Rule

Sinking Funds Make Predictable Expenses Easier to Handle

Zero-Based Budgeting | How to Give Every Dollar a Job

The 50/30/20 Budget: A Flexible Guide With Real Numbers

How to Make a Budget You Can Actually Keep

Auto Insurance Coverage Before Price: Choose Limits First

Your Emergency Fund Target Should Fit Your Risk, Not a Rule

Investing for Beginners: Build a First Plan Without Chasing Hype

What Really Moves Mortgage Interest Rates?

Checking vs Savings Accounts: Put Every Dollar in the Right Place

Mortgage Down Payment: How Much Cash Should You Use?

Tax Refunds: Track the Return Before Planning the Money

Free, Paid, or Manual? A Budgeting App Comparison

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