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My Two Cents

  1. my two cents
    ‘I’m Out of Student Debt, But I Still Feel Like a Failure’Your next steps may seem daunting, but you should be proud of yourself.
    By Charlotte Cowles
  2. my two cents
    ‘My Husband Won’t Pay for Child Care!’There are a lot of red flags here, but you should start by giving him the benefit of the doubt.
    By Charlotte Cowles
  3. my two cents
    ‘How Can I Get My Spouse to Support My Career Transition?’He needs to know how his money anxiety makes you feel.
    By Charlotte Cowles
  4. my two cents
    How to Gracefully Turn Down Plans You Can’t AffordOtegha Uwagba, the author of We Need to Talk About Money, on dealing with friendship and financial anxiety.
    By Charlotte Cowles
  5. my two cents
    ‘I Owe My Dad Money, and He Holds It Over My Head’You should pay him back and end this dynamic as quickly as possible.
    By Charlotte Cowles
  6. my two cents
    ‘I Don’t Drink, But My Friends Still Want to Split the Bill!’No, it’s not cheap to ask for separate checks.
    By Charlotte Cowles
  7. my two cents
    ‘I Just Found Out About My Wife’s Big Trust Fund!’That’s nice, but don’t get ahead of yourself: That money doesn’t necessarily belong to you.
    By Charlotte Cowles
  8. my two cents
    ‘I’m Sick of My Siblings Leaning on My Parents Financially’You may not like it, but your parents are part of this problem.
    By Charlotte Cowles
  9. my two cents
    ‘Should I Keep Living With My Parents to Save Money?’Staying might be the better financial choice, but don’t fall into the trap of saving money just for the sake of it.
    By Charlotte Cowles
  10. my two cents
    ‘Help! My Friend Wants Me To Pitch in $400 For a Baby Shower’That might fly in some circles, but the important thing is that it doesn’t work for you.
    By Charlotte Cowles
  11. my two cents
    ‘I’m Worried About My Mom’s Finances!’ You’re right to be concerned, and the best thing you can do is bring it up with her.
    By Charlotte Cowles
  12. my two cents
    ‘I’m Never Going to Be Financially Secure, So Why Try?’It won’t serve you to take an all-or-nothing approach to caring about money.
    By Charlotte Cowles
  13. my two cents
    ‘What I Learned About the Cost of Giving Birth’Having a baby in the U.S. is astronomically expensive. Here’s how five women dealt with it.
    By Charlotte Cowles
  14. my two cents
    ‘Can I Ask to Be Paid for the Work I’m Doing for a Job Interview?’You’re unlikely to get compensation, but you can try setting some boundaries.
    By Charlotte Cowles
  15. 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
  16. 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
  17. 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
  18. 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
  19. 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
  20. 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
  21. 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
  22. 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
  23. 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
  24. 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
  25. 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
  26. 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
  27. 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
  28. my two cents
    Money Lessons From a Truly Terrible YearWhat personal finance experts learned from 2020.
    By Charlotte Cowles
  29. 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
  30. 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
  31. 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
  32. 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
  33. 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
  34. 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
  35. 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
  36. 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
  37. 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
  38. 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
  39. 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
  40. 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
  41. 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
  42. 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
  43. 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
  44. 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
  45. 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
  46. 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
  47. 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
  48. 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
  49. 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
  50. 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
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