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My Two Cents

  1. my two cents
    ‘My Building Is Offering Free Rent — But Not to Me!’There may not be much you can do, but there are plenty of things you can try.
    By Charlotte Cowles
  2. my two cents
    ‘It’s Been a Year Since I Lost My Job’Three women on looking for work during the pandemic.
    By Charlotte Cowles
  3. money talks
    What It Costs to Reopen a BusinessThree business owners on making a comeback after they closed because of COVID-19.
    By Charlotte Cowles
  4. my two cents
    ‘My Husband Won’t Stop Overspending on Worthless Crap!’This might be a normal reaction to stress, but you need to address it with him.
    By Charlotte Cowles
  5. my two cents
    ‘How I’m Spending My Stimulus Check’Six women on what they plan to do with their money, from taking maternity leave to helping out family members.
    By Charlotte Cowles
  6. my two cents
    ‘My Sister Is Mad I Didn’t Buy Her Rich Husband a Gift!’She can’t demand you spend money on him, but I think there might be more going on here.
    By Charlotte Cowles
  7. my two cents
    ‘I’m Behind on Rent and Don’t Know What To Do’There are a few different things you can try to get out of your lease.
    By Charlotte Cowles
  8. my two cents
    ‘I’m Moving In With My Girlfriend. How Should We Split Rent?’Just by communicating about how to share expenses equitably, the two of you are already a step ahead.
    By Charlotte Cowles
  9. my two cents
    I Already Blew My Budget. How Can I Get Back on Track?Don’t freak out. Focus on taking small, concrete steps to meet your goals.
    By Charlotte Cowles
  10. my two cents
    ‘My Sister Is So Cheap and It’s Driving Me Nuts!’She might not know better, or she could just be a jerk. You won’t really know unless you talk to her.
    By Charlotte Cowles
  11. my two cents
    ‘How Can I Afford the Therapy I Need?’You shouldn’t have to choose between your mental health and your financial future.
    By Charlotte Cowles
  12. my two cents
    How Do I Save Up an Emergency Fund?Saving money isn’t easy, but it doesn’t have to be so hard, either.
    By Charlotte Cowles
  13. my two cents
    ‘I Actually Saved Money in 2020. What Should I Do With It?’Don’t just focus on an emergency fund — figure out what you actually want to save for.
    By Charlotte Cowles
  14. my two cents
    Money Lessons From a Truly Terrible YearWhat personal finance experts learned from 2020.
    By Charlotte Cowles
  15. my two cents
    What’s the Best Way to Donate to Charity If You Don’t Have a Lot to Give?Advice on putting your money where your mouth is.
    By Charlotte Cowles
  16. my two cents
    ‘I Lost My Job and My Husband Keeps Criticizing My Spending’How to communicate about money when your income gets cut in half.
    By Charlotte Cowles
  17. my two cents
    ‘I Have to Make Money Somehow’Five people on finding creative ways to make money during the economic downturn.
    By Charlotte Cowles
  18. my two cents
    ‘Many of These Women Don’t Even Know They’re Being Abused’Economic abuse was insidious before the pandemic, but COVID has made it worse.
    By Charlotte Cowles
  19. my two cents
    What Does Biden’s Student Loan Plan Mean for You?Breaking down what the president-elect can and can’t do without control of Congress.
    By Charlotte Cowles
  20. money talks
    ‘I Had a Life in New York. Then I Lost My Job and My Visa.’Now I’m job-hunting in multiple countries and handing over thousands to my immigration lawyer.
    As told to Charlotte Cowles
  21. my two cents
    Could Knowing Your ‘Money Script’ Help Your Finances?To break bad money habits, it helps to know where they come from.
    By Charlotte Cowles
  22. my two cents
    ‘I Love My Boyfriend, But I Can’t Trust Him With Money’You can’t force him to get his act together, but you can put your foot down if he doesn’t.
    By Charlotte Cowles
  23. money talks
    ‘I Left So Quickly I Didn’t Have Time to Pack My Things’What it costs to lose your job and move back home in the middle of a pandemic.
    By Charlotte Cowles
  24. my two cents
    How to Invest Your 401(K) in Causes You Care AboutOr, at least, divest it from the ones you don’t.
    By Charlotte Cowles
  25. my two cents
    How Can I Get a Job That Pays More Than $40,000 a Year?You need to work on monetizing your skills and your interests.
    By Charlotte Cowles
  26. my two cents
    ‘It Feels Pointless to Save for Retirement Now’Your best option is to stay the course and make a contingency plan in case things go sideways.
    By Charlotte Cowles
  27. money talks
    ‘None of Us Know When We’re Going Back to Work’Three yoga and fitness instructors on trying to make ends meet during the last six months.
    By Charlotte Cowles
  28. money talks
    3 Women on Life After Losing Their Jobs“I wake up every morning and I’m like, Okay, what can I get paid for today?”
    By Charlotte Cowles
  29. my two cents
    ‘My Credit Card Just Got Canceled and I Don’t Know Why’Being subject to the whims of credit card companies doesn’t feel good, but there are some best practices that can help.
    By Charlotte Cowles
  30. my two cents
    My Friend Asked for a Discount. Should I Give It to Her?Try offering a specific amount of your time at a reduced rate, and stick to those limits.
    By Charlotte Cowles
  31. my two cents
    How Can I Make a Will Without Spending a Fortune?The process can be much simpler and cheaper than you might expect.
    By Charlotte Cowles
  32. money talks
    ‘My Divorce Is Cheap. But Self-Care Is Costing Me Thousands.’What it costs to end your marriage in a pandemic.
    As told to Charlotte Cowles
  33. my two cents
    Do I Need to Declare Bankruptcy?You may be able to pay off your debt on your own, but it’s good you’re considering your options.
    By Charlotte Cowles
  34. money talks
    What It’s Like to Teach Yoga Over Zoom“I’ve got all my stuff from Brooklyn in my childhood bedroom, and I’ve transformed the whole family room into a yoga space.”
    By Charlotte Cowles
  35. my two cents
    ‘My Boyfriend’s Roommate Is Asking Me for Rent Money’He didn’t sign up to have you there all the time, so it’s reasonable to ask. Here’s why you should say no.
    By Charlotte Cowles
  36. my two cents
    ‘Self Care Shouldn’t Be the End Goal’For Alisha Ramos, the founder of Girls Night In, recent success has been “a little bit uncomfortable.”
    By Charlotte Cowles
  37. my two cents
    How Do I Get My Landlord to Lower My Rent?We’re barreling toward a national housing crisis. Get ready to negotiate.
    By Charlotte Cowles
  38. my two cents
    How to Recover From Losing EverythingTiffany “the Budgetnista” Aliche on digging yourself out of debt.
    By Charlotte Cowles
  39. my two cents
    ‘I’m Sick of Living With My Boyfriend’s Parents to Save Money’You have to separate your financial quandary from your relationship quandary.
    By Charlotte Cowles
  40. my two cents
    ‘I Lost My Job, and My Debt Is Spiraling Out of Control’Start looking for new work. Pretty much anything will be better than trying to live off of $250 a week in New York.
    By Charlotte Cowles
  41. my two cents
    How to Make Your Donations CountWhen everything feels so urgent, it’s tough to decide where your money should go.
    By Charlotte Cowles
  42. money talks
    ‘The Bronx Is Not Going to Let This Bookstore Close’We can’t all be out here just for ourselves.
    As told to Charlotte Cowles
  43. my two cents
    How to Cope With Being Broke, Angry, and AshamedLessons from a financial therapist.
    By Charlotte Cowles
  44. my two cents
    ‘Might as Well Use This Time to Get a Divorce’Some couples are fixing up their homes. Others are prepping their papers.
    By Charlotte Cowles
  45. my two cents
    How Do I Shop Ethically?There’s no foolproof way to do it, but here are a few things you should think about.
    By Charlotte Cowles
  46. my two cents
    ‘I Hate My Job! Do I Have to Suck It Up Until the Economy Recovers?’You shouldn’t have to torture yourself for a paycheck, but you do need to make a lot of plans.
    By Charlotte Cowles
  47. my two cents
    ‘I Want to Support Businesses in Need — But Can I Afford It?’I’d like to give what I can, but my own situation isn’t very stable. How much is reasonable?
    By Charlotte Cowles
  48. my two cents
    ‘I’m Only Sort of Unemployed, But I’m Going Broke Fast’This won’t be an easy time. So take a breath, look at your finances, and do the math.
    By Charlotte Cowles
  49. my two cents
    ‘I’m Pregnant and My Business Just Collapsed’Good news: You should qualify for a lot of help. Bad news: The process will be messy.
    By Charlotte Cowles
  50. my two cents
    The Best Way to Worry About Money Right NowFocus on what you can control, even if it’s very little.
    By Charlotte Cowles
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