Alicia Adamczyk's posts - Norwegian uPOST

No Emergency Fund? Aim to Save $250 No Emergency Fund? Aim to Save $250

If you’re like most Americans, you might not have a ton of money saved or invested. And reading what you should have or should be saving—say, saving 20 percent each paycheck, or having your yearly salary saved by the time you’re 30—can be overwhelming. So much so, that you just might not start.

Discover New Music With NPR's Austin 100 Playlist Discover New Music With NPR's Austin 100 Playlist

Looking for some new music to lose yourself in this weekend? Look no further. Each year, NPR’s All Songs Considered team puts together a 100-song playlist for the South By Southwest music festival, and it never fails to deliver new artists and genres.

How Paying Your Credit Card Minimum Puts You in a Debt Spiral How Paying Your Credit Card Minimum Puts You in a Debt Spiral

If you have a credit card, you should, theoretically, know how missing a payment or paying off less than your total balance each month can lead to a debt spiral. The interest rate on credit cards is very high compared to other financial products, and it compounds when you don’t pay your balance off in full each month.

Use This GIF to Breathe Better Use This GIF to Breathe Better

In her newsletter My Sweet Dumb Brain, Katie Hawkins-Gaar writes about the importance of taking time to breathe. Not, you know, the unconscious kind of breathing you do to stay alive, but thoughtful, slow breathing, to help you stay grounded and feel your place in the world.

How to Get Money If You Don't Have an Emergency Fund How to Get Money If You Don't Have an Emergency Fund

Financial emergencies come for us all, and when they do, you’ll want a stash to pull from to cover at least part of the costs you’ll incur.

Should You Invest in a 401(k) or Roth 401(k)? Should You Invest in a 401(k) or Roth 401(k)?

Welcome to The Statement, Lifehacker’s new weekly personal finance newsletter. I’m Alicia Adamczyk, Lifehacker’s money writer, and every Wednesday I’ll cover the most pressing money issues of the week and answer reader questions about any aspect of your financial lives.

If You Work Full Time, Calculate Your 'Hourly' Wage If You Work Full Time, Calculate Your 'Hourly' Wage

When you’re working full time, you can track your spending and make a budget using percentages of your income to try to get a handle on what you can truly afford. But thinking in terms of monthly or even weekly allotments of money isn’t necessarily the most effective way to think of your dollars.

Why You Should Make This Your 'Depth Year' Why You Should Make This Your 'Depth Year'

When you’re on a quest for self-improvement, there are countless books, apps, methods, etc., out there that promise to “fix” you, or help you become the best you you can be. Bullet journals, meditation apps, yoga studios, books promising to help you “get your shit together”—there’s no shortage of products, services…

Cover the PIN Pad While Using a Drive-Up ATM Cover the PIN Pad While Using a Drive-Up ATM

Skimming scams are everywhere, but according to Krebs on Security, there’s another component to them that’s easy to prevent—scammers recording your PIN number.

Why You Should Write an Intimidation List  Why You Should Write an Intimidation List 

There was hardly anything that didn’t intimidate me when I was young. Sleeping alone in the dark, taking classes outside of my comfort zone, telling people I loved that I loved them, doing a back handspring during cheerleading competitions—all of these things caused me immense stress, to the point where I just avoided…

The Best Advice I’ve Heard About Asking Your Boss for More Money The Best Advice I’ve Heard About Asking Your Boss for More Money

I’ve interviewed many a career and money expert for advice on asking for a raise. They usually give the same (good!) advice: Come prepared, do your research, be calm, cool and collected, etc.

Travel Rewards Are the Best Use of Your Credit Card Points  Travel Rewards Are the Best Use of Your Credit Card Points 

There’s no shortage of rewards credit cards out there, and as more players enter the game, redemption opportunities are widening as well. But as Dan Frommer points out for Eater, redeeming your points for travel rewards is likely the best value.

Check Your Credit Report Even If Your Credit Is Frozen Check Your Credit Report Even If Your Credit Is Frozen

Here’s a reminder: Even if you’ve preemptively frozen your credit reports, you should check them for suspicious activity every few months.

Can You 'Over-Diversify' Your Assets? Can You 'Over-Diversify' Your Assets?

A diversified portfolio is one of the keys to a successful long-term investment strategy. But can your assets ever be too diversified?

How to Get Compensated for Canceled European Flights How to Get Compensated for Canceled European Flights

Few things are more frustrating than a canceled flight, particularly in the U.S. You can be strung along for hours, waiting with your increasingly agitated fellow travelers, only to be told you’ll have to wait until the next day to actually take your flight.

How to Deal With Work Stress How to Deal With Work Stress

Think about the last time you had an awkward interaction, or made a small mistake at work. What was your reaction?

No Statistic Will Help You Beat the Market  No Statistic Will Help You Beat the Market 

There’s a statistic for everything, especially in investing. Writers and financial experts love to pick out minutiae from the markets and posit that they mean something BIG and EXPLOSIVE about the state of the economy—and now that you know it too, you have some sort of investing edge. (If you were paying attention to…

When 'Now' Isn't the Best Time to Invest When 'Now' Isn't the Best Time to Invest

Ask a financial professional when the “best” time to invest is, and they’ll tell you: yesterday. Assuming you didn’t start yesterday, the next best answer is today.

Apply This Investing Principle to Your Everyday Life Apply This Investing Principle to Your Everyday Life

To form habits, financial or otherwise, you have to put in the work. Often that means making small changes or tweaks consistently over a long period of time. Days, weeks, months, years—if you really want to change your behavior, you have to commit yourself to something for a long time.

An App Can't Change Your Financial Behavior An App Can't Change Your Financial Behavior

There’s an app for everything, many promising to help people “fix” something in their lives. Productivity apps will turn you into a superhuman worker, for example, and financial apps will help you attain Rockefeller-levels of wealth.

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