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  • Save MoneyOn food, bills, and everyday expenses
    Save MoneyOn food, bills, and everyday expensesExplore
    • Food
    • Utilities
    • Housing
    • Healthcare
    • Transportation
  • Take ControlCreate budgets, pay debt & build your safety net
    Take ControlCreate budgets, pay debt & build your safety netExplore
    • Budgeting
    • Credit
    • Debt
    • Savings
    • Work
    • Taxes
  • Plan AheadFor retirement, big purchases, and your goals
    Plan AheadFor retirement, big purchases, and your goalsExplore
    • Insurance
    • Homeownership
    • Investing
    • Retirement
    • Life Events
  • Member Benefits
  • About Us
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The Joy of Money book by Carrie Joy Grimes

You don’t have to figure money out alone

Get clear, practical guidance and real-life insights from our CEO, Carrie Joy Grimes, in her new bestseller, The Joy of Money.

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  1. Home
  2. Money Tips

Money Tips

Every dollar counts. See how to stretch yours.

  • Budget 101
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There are government benefits to help offset childcare costs.

Suggested read

Summer Childcare on a Budget: How to Save Hundreds While You Work

Affordable solutions for keeping your kids safe and happy this summer without breaking the bank

Top-down image of a grocery store conveyor belt showing neatly sorted baskets of bananas, tomatoes, and leafy greens, each paired with a receipt, illustrating budgeting for groceries.

How to Set a Grocery Budget and Stick to It

Take control of your grocery spending with smart budgeting, meal planning, and waste-reducing strategies.

2 people sitting at a desk with a laptop and various papers. One person is looking at the paper while writing on it. The other person is holding a baby while looking at the papers.

10 Budgeting Tips for Families

Get budgeting tips from WorkMoney to help your family save money on monthly expenses.

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A pile of money with a sign that says debt on it.

Suggested read

Inside the Session: What Actually Happens During Credit Counseling?

Demystifying your first credit counseling appointment to help you take control of your debt

Credit counseling vs. Debt settlement - two women one looking relaxed with counseling and one looking stressed with settlement

Does Credit Counseling Ruin Your Credit? The Honest Truth

The real impact of seeking help and how to rebuild your financial future without the stress

Percentage rates floating around.

Can a Credit Counselor Negotiate Lower Interest Rates for You?

How credit counseling helps you lower interest rates and take control of your debt

A stack of paper that all say Credit report with a blue background and various numbers below it

How to Dispute a Credit Report

Fix your credit report errors fast and boost your score! Join WorkMoney for actionable credit management strategies and step-by-step guidance.

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A hand holding a black gas pump next to other gas pumps

Suggested read

Pay Less for Gas: 5 Ways to Save Money at the Pump

Stop getting pinched at the pump and go farther with these five helpful tips

Two people smiling while putting bananas and oranges in a mesh bag in front of other produce

How to Shop For Groceries on a Budget

Find several ways you can win the fight against high food prices for you and your family

A hand holding a pen and pressing on a while calculator

How to Lower Your Phone Bill

Five easy steps to save money on your monthly cellphone bill

Side-by-side comparison of two shopping carts: one in a warehouse club filled with bulk toilet paper, and one in a grocery store filled with fresh produce and a baguette. A large “VS” is placed between the two to highlight the contrast.

Warehouse Clubs vs. Grocery Stores: Which Saves More?

Wondering if Costco or Sam’s Club saves you more than your local grocery store? Here’s how to compare costs, avoid waste, and make the smartest choice for your budget.

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A person in a yellow sweater and red shirt holding a yellow credit card.

Suggested read

How to Pay Off a Maxed-Out Credit Card

Five simple steps to paying down your credit card debt and putting your financial worries behind you

Two people holding a credit card

What’s the Best Way to Pay Down Credit Card Debt?

Follow these straightforward tips to pay down your debt and take steps toward financial freedom

A hand holding a yellow credit card

How to Avoid Credit Card Debt

Discover how to use the debt the right way with these six credit card best practices

A person with glasses holding a paper that says petition for bankruptcy

Is Bankruptcy Right for You?

Get a free, no-commitment consultation with an expert who will help you figure out if bankruptcy is right for you and your financial situation

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A woman with dark hair holding up a white dress on a hanger. Another woman is looking at the dress and smiling.

Suggested read

Your Wedding Doesn’t Have to Take You to the Cleaners

WorkMoney shares ways to save on your big day!

A woman hugs her aging mother smiling.

Financial Transparency: How to Talk Money with Aging Parents

Simple scripts and tips to have the money talk with your parents without the stress

Group of kids holding up dollar bills

Smart Ways to Teach Your Kids About Money Early On

Effective strategies for raising financially savvy children from an early age

A plate with chicken leg and stuffing.

The Fridge: Your $35 Thanksgiving Meal!

We’re going head-to-head with the grocery giants—with a cozy, no-stress feast built from smart swaps and overlapping ingredients

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A person in a white lab coat pointing at a pad of paper. Behind the person is a shelf with various boxes. In front of her is a person smiling while writing on the paper she's pointing at.

Suggested read

5 Simple Ways to Save Money on Prescriptions

Prescription drugs are too expensive, but we’ve found a few small steps that lead to big savings

A shelf full of prescription bottles

What’s the Difference Between Brand and Generic Drugs?

Generic drugs are as safe and effective as brand-name drugs, but they can cost up to 80% less. Learn about the benefits of generic drugs and how to save money on prescriptions.

Someone writing in a notebook about healthcare hacks

Healthcare Hacks Every Family Member Should Know to Save in 2026

Your guide to preventative care and finding real healthcare savings for your family.

Doctor standing with arms folded holding a stethoscope.

How to Use Preventative Care to Save on Your Medical Costs

Small health steps now can lead to big medical savings later

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A person looking at a laptop on a desk with the words job application on the screen

Suggested read

Navigating the Transition Period Between Jobs

Ways to handle time between jobs whether you quit, were fired or were part of a layoff

A person with dark hair and a teal shirt shaking the hand of another person while smiling

Five Questions to Ask in an Interview to Find a Job, Boss, and Company That Will Value You

What to ask during an interview to see whether a company is a good fit for you

A hand with a pen writing on a form on a clipboard that says Unemployment benefits claim form

Don’t Leave Your Unemployment Benefits on the Table

Learn how to apply for and claim your unemployment benefits

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A 100 dollar bill on top of social security cards

Suggested read

How to Avoid Social Security Scams

Learn how criminals access your Social Security information and what you can do to protect yourself against becoming a fraud victim.

A graduation cap that reads student loan scam sitting on top of a mouse trap

Beware of Student Loan Scams

Tips on how to protect yourself from the latest schemes

A person on a roof holding up a solar panel

Five Tips to Avoid Getting Burned by Solar Scams

Learn how to avoid getting burned by solar scams when you switch to solar energy

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Man and a woman sit at table discussing taxes with an accountant.

Suggested read

Stop Overpaying Your Taxes: The Must-Claim Tax Credits for Working Families

Keep More of Your Paycheck with These Essential Tax Breaks for Parents and Caregivers

Hand holding up a magnifing glass to some tax papers.

What are the 2025 - 2026 Tax Law Changes to Consider When Filing Your Taxes?

Prepare for the sunset of the Tax Cuts and Jobs Act and what it means for your wallet in 2026.

A neighborhood of houses overlaid with the words Property Tax

How to Dispute Your Property Tax Assessment

Property tax assessments aren’t always accurate and you have the right to challenge them

Image shows empty W-2 and 1099 tax forms

What Receipts Should I Keep for Personal Taxes?

Learn what receipts you need to keep for personal taxes so you can maximize your return when filing

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Budget 101

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