PennyWise: Personal Finance & Travel Tips

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PennyWise is a show about money, personal finance, investing and travel. The program features a variety of financial experts who can help save you money.

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Holiday Shopping: Money-Saving Strategies & Costly Mistakes to Avoid

In this episode of PennyWise, host John Kiernan discusses money-saving holiday shopping tips with Chip Lupo, a personal finance writer with WalletHub who is an expert on credit cards and budgeting. They discuss the holiday shopping forecast and the things people can do to maximize their merriment without putting their financial plan in jeopardy. You can even get a few pointers for whipping up holiday cookies on the cheap from a state fair winner! Plus, John answers a listener question and more. More on this episode from WalletHub: Best Credit Cards for Holiday Shopping & Low-Cost Gift Ideas To start budgeting for the holidays, check out WalletHub's budgeting tools.

22 min
8. LIS

Budgeting Better: Tips for Sticking to a Budget That Actually Makes a Difference

In this episode of PennyWise, host John Kiernan breaks down the keys to successful budgeting with Milvionne Chery, a budget expert and personal finance writer with WalletHub. They discuss the most important steps for budgeters to take, what's holding people back the most, what people can do to keep things simple, options for more advanced techniques, and more. More on this episode from WalletHub: How to Make a Budget & Top Budgeting Tips To start budgeting better, check out WalletHub's budgeting tools.

15 min
7. TRA

Tipping Point: Navigating the New Norms in Service Gratuities

In this episode of PennyWise, host Nat Cardona engages in a thought-provoking discussion with Chip Lupo, a writer and analyst for WalletHub, as they explore the evolving landscape of tipping in America. With 75% of Americans feeling that tipping has spiraled out of control, they dive deep into the cultural implications and the new norms surrounding gratuity in various service sectors. Chip shares insights on the traditional tipping percentages for services like dining, hair salons, and delivery, while also addressing the growing trend of tipping at self-service kiosks and other unexpected places. Listeners will gain a clearer understanding of when and how much to tip, including guidelines for different service scenarios. They also discuss the ethical concerns surrounding tipping as a potential substitute for fair wages, prompting listeners to consider their own tipping practices and the pressures associated with them. Chip emphasizes the importance of tipping for good service while also acknowledging the discomfort that can arise when service falls short. For more insights on tipping trends and best practices, check out WalletHub's extensive resources on personal finance. Show notes created with assistance from https://headliner.app

12 min
31. OŽU

Weddings and Homeownership: Smart Strategies for New Couples on a Budget

In this episode of PennyWise, host Nat Cardona is joined by NerdWallet personal finance expert Kim Palmer to tackle the dual challenge many American couples face: financing a wedding while pursuing homeownership. As costs continue to rise, they discuss practical do's and don'ts that can help newly engaged couples navigate these financial hurdles effectively.Listeners will learn about the shifting demographics of first-time homebuyers, with the median age now at 38, and strategies for building a house fund instead of opting for traditional wedding gifts. Kim shares insights on the importance of avoiding credit card debt when financing wedding expenses, emphasizing that it's crucial to minimize financial burdens post-wedding. More on this episode from Nerdwallet- First Homes and Weddings For more insights, check out NerdWallet's comprehensive resources on financing weddings and homeownership. Show notes created with assistance from https://headliner.app

9 min
24. OŽU

Dress to Impress Without the Stress: Mastering Your Clothing Budget for 2025

In this insightful episode of PennyWise, host Nat Cardona sits down with WalletHub's financial expert, Adam McCann, to tackle a common question: how much should you budget for clothing in 2025? As clothing prices continue to rise, Adam breaks down the average annual spending on apparel, revealing that households typically spend around $1,945 on clothing each year. However, he emphasizes that this figure can vary widely based on personal needs and lifestyle.Listeners will discover practical tips for saving money on clothing, including the importance of shopping during sales, utilizing coupons, and understanding the difference between 'needs' and 'wants' in their wardrobe. Adam also discusses the benefits of investing in quality pieces that last longer, as well as savvy shopping strategies like buying off-season and exploring thrift stores or community clothing swaps. Additionally, the episode covers the advantages of using the right credit cards for clothing purchases, highlighting how rewards and cashback options can maximize savings. Adam stresses the importance of managing credit wisely to avoid interest charges that can negate savings from rewards. More on this story- How Much to Budget for Clothes in 2025 For more insights on budgeting and saving, check out WalletHub's resources at WalletHub. Show notes created with assistance from https://headliner.app

13 min
17. OŽU

Last-Minute Tax Tips for 2025: Don't Miss Out on Savings and Avoid Common Pitfalls

In this episode of PennyWise, host Nat Cardona teams up with tax expert John Kiernan, Managing Editor at WalletHub. John shares essential last-minute tax tips for the 2025 filing season. As the deadline approaches, they emphasize the importance of filing a return regardless of your ability to pay, explaining the significant penalties associated with failing to file. Listeners will learn about the IRS's direct file program and how to utilize free resources for tax assistance, especially for those facing financial challenges.The conversation also covers strategies for managing tax payments, including the benefits of using credit cards wisely to earn rewards while settling tax obligations. They delve into disaster relief for those in FEMA-designated areas and the advantages available for taxpayers in these situations, such as extended filing deadlines and deductions for personal property losses.For more insights and resources, check out WalletHub's budgeting features to get your finances in shape. More on this story- Countdown to Tax Day: WalletHub’s Tax Tips for 2025 Show notes created with assistance from headliner.app

12 min
10. OŽU

Budgeting with a Brain: How AI Can Transform Your Financial Game Plan

In this episode of PennyWise, host Nat Cardona engages with WalletHub's personal finance writer, Milvionne Chery Copeland, to explore the innovative world of AI budgeting tools. As artificial intelligence continues to permeate our daily lives, Milvionne explains how these tools can revolutionize the way we manage our finances. Listeners will learn about the benefits of using AI to automatically track and categorize expenses, saving precious time and effort in the budgeting process.The conversation delves into how AI can analyze spending patterns, alert users to unusual expenses, and even help automate savings by identifying manageable amounts to set aside. There are also tips on utilizing AI chatbots, with occasional review, as virtual financial assistants, providing instant advice and insights. Learn more from WalletHub at Are Budgeting Apps Safe? Show notes created with assistance from https://headliner.app

9 min
3. OŽU

Debunking the 20% Down Payment Myth: Affordable Home Buying Options You Didn't Know Existed

In this enlightening episode of PennyWise, host Nat Cardona welcomes NerdWallet's senior writer, Holden Lewis, to debunk the common myth surrounding down payments for home buying. Many potential homeowners believe that a hefty 20% down payment is a necessity, but Holden clarifies that this isn't the case. The discussion addresses the financial pressures faced by first-time homebuyers, including interest rates and living costs, which can make homeownership seem unattainable.Listeners will discover that conventional loans can require a lot less down, while FHA loans offer nearly unbeatable opportunities for first-time homebuyers. This episode is packed with practical advice and reassurance for anyone feeling overwhelmed by the home buying process. https://www.nerdwallet.com/article/mortgages/data-down-payment Show notes created with assistance from https://headliner.app

11 min

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A show about money, finances, and investing. Join Teri Barr every Thursday as she's joined by specialists from Forbes Advisor and NerdWallet to talk about the topics that affect your bottom line. Support the show: https://omny.fm/shows/pennywise See omnystudio.com/listener for privacy information.

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PennyWise is a show about money, personal finance, investing and travel. The program features a variety of financial experts who can help save you money.