The Budgeting, Saving & Debt Guide
The foundation of every financial goal. Build a budget, grow your savings, pay down debt efficiently, and understand the credit score that ties it together.
8 guides · 5 related calculators
Budgeting and saving
What Is the 50/30/20 Rule? (2026)
The 50/30/20 rule splits your after-tax income into 50% needs, 30% wants, and 20% savings and debt. Learn how to apply it, with examples and when to adjust.
How Much Should I Have in Savings? (2026)
Start with a 3-6 month emergency fund, then build retirement savings toward 1x your salary by 30 and 3x by 40. See savings benchmarks by age and goal.
How to Calculate Your Net Worth: A Simple Guide
Learn how to calculate your net worth, what to include, what counts as assets and liabilities, and why tracking net worth matters more than income.
Getting out of debt
How to Pay Off Debt Fast (2026)
Pay off debt fast with a clear plan: list every debt, pick the snowball or avalanche method, free up extra cash, and attack one balance at a time. Step by step.
Debt Snowball vs. Avalanche: Which Is Better? (2026)
The avalanche method saves the most money; the snowball method keeps you motivated with quick wins. See a side-by-side example and how to pick the right one.
Does Bankruptcy Eliminate Tax Debt?
Does bankruptcy eliminate tax debt? Income taxes 3+ years old may be discharged in Chapter 7. Payroll and recent income taxes: never. 2026 eligibility rules.
Credit
What Is a Good Credit Score? (2026)
A FICO score of 670+ is 'good' and 740+ is 'very good.' See the full score ranges, the 5 things that move your score, and why it matters for your wallet.
What Credit Score Do I Need to Buy a House? (2026)
You can buy a house with a score as low as 500 (FHA) or 620 (conventional), but a higher score means a much lower rate. See the minimums by loan type.