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Elizabeth Smith

Credit Card, Savings and Retirement Expert

Liz Smith is a graduate of New York University and has been passionate about helping people make better financial decisions since her college days. Liz has been writing for SmartAsset for more than four years. Her areas of expertise include retirement, credit cards and savings. She also focuses on all money issues for millennials. Liz's articles have been featured across the web, including on AOL Finance, Business Insider and WNBC. The biggest personal finance mistake she sees people making: not contributing to retirement early in their careers.

Posts by Elizabeth Smith:

by Elizabeth Smith Oct 04, 2017

You’ve probably heard about credit scores and how important they are. But what’s a good credit score nowadays? Who calculates your credit score and how do they do it? Your credit report is a document that holds all the information that determines your credit score. On that document, you can see all your past loans, credit accounts and more. Luckily, finding your credit report isn’t hard with AnnualCreditReport.com. Read more

by Elizabeth Smith Jun 27, 2018

If you’ve landed on this page, chances are you’re just as perplexed as a ton of other people as to why American Express isn’t accepted at so many stores. It’s a major credit card company with millions of customers around the world. So what gives? Why can’t those millions of customers use their Amex cards at so many places? Turns out, sometimes accepting American Express just costs too much for merchants to make it worth it. Read more

by Elizabeth Smith Sep 27, 2017

It may not be on your mind day and night, but your credit report is one of your most valuable assets. Having a clean credit report helps you secure credit cards with better interest rates and can even make you a more appealing job applicant. But how do you know if your credit report is in good shape or not? And if it’s not, how can you clean up your credit? Let’s break it down into 10 steps. Read more

by Elizabeth Smith Nov 20, 2018

Money orders provide a secure way of sending and receiving funds. They especially come in handy for sellers when you don’t know or trust the buyer. Anyone can request or choose to pay through a money… Read more

by Elizabeth Smith Sep 26, 2017

Money orders offer a relatively inexpensive, secure payment option. You can make a money order payable to a specific person or organization. Plus, the funds are guaranteed by a third party. But who… Read more

by Elizabeth Smith Oct 08, 2020

A money order is a printed out piece of paper that represents payment in a certain sum. That piece of paper can then be turned in for the amount of cash it represents. Money orders are more secure… Read more

by Elizabeth Smith Jan 15, 2020

Do you have a budget? Do you follow it? If you answered no, you’re not alone. According to NAPFA, 60% of U.S. adults don’t have a budget and less than 50% of Americans have a purposeful savings plan.… Read more

by Elizabeth Smith Aug 21, 2019

Investing can be an intimidating endeavor with all its terminology and the complexities of the market. But you shouldn’t let that stop you. Investing provides a great way to grow your money. There… Read more

by Elizabeth Smith Nov 20, 2018

Whether you want to make or receive a secure payment, it’s hard to know the best way to do so. You could go the cash route, but that’s risky to send in the mail. Plus, do you really want to be… Read more

by Elizabeth Smith Jun 12, 2020

Certified financial planner, or CFP, is a widely recognized and popular certification that many financial advisors and financial planners work to earn. A CFP can help you create a financial plan to… Read more

by Elizabeth Smith Aug 20, 2018

Condominiums can provide a stable, amenity-induced living experience at an affordable cost. For a number of people and families, condos offer a better option than a traditional home. However, it’s… Read more

by Elizabeth Smith Jan 19, 2021

Self-employment or working for a small business may sound like a dream. However, one downside is that you likely won’t have access to a workplace retirement plan like a 401(k). Sure, you could max… Read more

by Elizabeth Smith May 21, 2018

Amid the real estate crash of 2007, one term dominated the news cycle: “housing bubble.” Unlike a childhood plaything, this bubble was bad news. When a market gets too big, it’s bound to fail. So we… Read more

by Elizabeth Smith Jul 05, 2018

In the long term, it’s often smarter to buy a home than rent one. You could capitalize on both, though, through a real estate investment. You can buy a home for the eventual returns and rent it out… Read more

by Elizabeth Smith Jan 08, 2020

Paying taxes is never fun. Fortunately, you may be able to reduce how much you owe in federal income taxes by claiming certain tax deductions. There are exclusive tax breaks for self-employed… Read more

by Elizabeth Smith Aug 23, 2019

Planning for retirement can be challenging. Figuring out exactly how much you need to sock away can be tricky, even if you use a retirement calculator. And many retirees are concerned about running… Read more

by Elizabeth Smith Apr 17, 2019

Regardless of the kind of car we drive or the kind of credit card we use, we need gas to get around. But filling up the tank ­can get expensive, especially if we spend a large chunk of our time on… Read more

by Elizabeth Smith Jun 06, 2018

Anyone buying a house for the first time has to become familiar with various real estate terms. For example, you’ll need to understand the difference between being pre-qualified and preapproved for a… Read more

by Elizabeth Smith Jun 06, 2018

Think you can’t refinance your mortgage because you have bad credit? Think again. With less-than-perfect credit, you won’t have access to the lowest interest rates or the best loan terms. But… Read more

by Elizabeth Smith Jun 25, 2018

If you’ve only compared mortgage rates published by banks and private lenders, you could be missing out on loans backed by the federal government. For example, there are mortgages that are issued and… Read more

by Elizabeth Smith Jan 22, 2021

The IRS knows that some taxpayers provide their children and relatives with financial support. That’s why the government offers folks with dependents the opportunity to reduce their tax burden. Being… Read more

by Elizabeth Smith Apr 14, 2017

Caring for an aging parent or friend can be expensive. But when you know that someone needs assistance, it’s hard to avoid offering to help. While there’s nothing wrong with providing a relative or… Read more

by Elizabeth Smith Dec 30, 2016

If you were paying close attention to the presidential race, you may have heard someone say something about carried interest. Or maybe you have finance friends who’ve mentioned this term in passing.… Read more

by Elizabeth Smith Apr 17, 2019

Gasoline can get expensive, but most of us have to drive at some point or another. Driving around to find the cheapest gas  in town is one way to cut a big chunk out of your monthly gas bill. But… Read more

by Elizabeth Smith Nov 06, 2017

Whether you’re a frequent flyer or you’re new to the travel game, you’ve probably heard about the biggest revolution in travel accommodations: short-term apartment and home rentals. Thanks to… Read more