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With a new year just around the corner, now is the perfect time to take stock of your finances. A budgeting app can help with that, and right now you can get 50 percent off your first year of a Monarch Money plan. All you need to do is enter the code MONARCHVIP at checkout and you’ll pay $50 for the initial 12 months instead of the regular price of $100. Note that the offer only applies to new users.Monarch MoneyUsually Monarch costs $100 per year, but this deal brings the cost of the first 12 months down to $50…

With a new year just around the corner, now is the perfect time to take stock of your finances. A budgeting app can help with that, and right now you can get 50 percent off your first year of a Monarch Money plan. All you need to do is enter the code MONARCHVIP at checkout and you’ll pay $50 for the initial 12 months instead of the regular price of $100. Note that the offer only applies to new users.Monarch MoneyUsually Monarch costs $100 per year, but this deal brings the cost of the first 12 months down to $50…

With a new year just around the corner, now is the perfect time to take stock of your finances. A budgeting app can help with that, and right now you can get 50 percent off your first year of a Monarch Money plan. All you need to do is enter the code MONARCHVIP at checkout and you’ll pay $50 for the initial 12 months instead of the regular price of $100. Note that the offer only applies to new users.Monarch MoneyUsually Monarch costs $100 per year, but this deal brings the cost of the first 12 months down to $50…

In Saratoga Springs, $50,000 of city money has been set aside this year for a process known as participatory budgeting. The program allows residents to pick which projects proposed by fellow citizens should receive funding. But, the program’s fourth year may very well be its last.The theme of this year’s participatory budgeting submissions was “year of the child,” and proposals ranged from field trips for local schools to an exploration garden.Outgoing Finance Commissioner Minita Sanghvi explains how this year’s theme reflects the broader purpose of participatory budgeting.“The idea here really is to do something where something serves all the residents…

The U.S. Department of Education announced Tuesday that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan. The Saving on a Valuable Education plan, better known as SAVE, was the most flexible and generous of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous. The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make…

The U.S. Department of Education announced Tuesday that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan. The Saving on a Valuable Education plan, better known as SAVE, was the most flexible and generous of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous. The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make…

The U.S. Department of Education announced Tuesday that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan. The Saving on a Valuable Education plan, better known as SAVE, was the most flexible and generous of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous. The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make…

Manusapon Kasosod | Moment | Getty ImagesCurrent homeowners are looking for any savings they can get, and with mortgage rates on conventional loans not moving much, that isn’t easy. Loans from the Federal Housing Administration, or FHA, which require mortgage insurance, however, are providing an outlet.Total applications to refinance a home loan rose 14% last week compared with the previous week, according to the Mortgage Bankers Association’s seasonally adjusted index. Volume was 88% higher than the same week one year ago. The refinance share of mortgage activity increased to 58.2% of total applications from 53.0% the previous week. Demand for…

See how the central bank’s interest rate stance influences car loans, credit cards, mortgages, savings and student loans.

The average homeowner is sitting on a sizable amount of equity that could be worth borrowing now that the Federal Reserve is cutting interest rates again. Jason marz/Getty Images The Federal funds rate is now at its lowest level since 2022. That was the big financial news on Wednesday afternoon after the Federal Reserve issued another interest rate cut, this time in the amount of 25 basis points. The cut was the third such one in the last four months, dropping the federal funds rate to a range of 3.50% to 3.75%. Now at its lowest level since November 2022, the…