Seychelle Thomas
Seychelle is a seasoned financial professional turned personal finance writer. She’s passionate about empowering people to make smart financial decisions by combining 10 years of finance industry experience with solid research and a wealth of knowledge. Seychelle is also a Nav-certified credit and lending expert who has explored money topics such as debt consolidation, budgeting, credit, and lending in her work for publications including GOBankingRates, LendEDU, and Credible.
Latest articles by Seychelle Thomas
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Credit Cards for Kids and Teens: Make Your Child an Authorized User
Kids and teens can access credit cards by becoming authorized users on your account. Here's what I learned when I signed up my own kids for cards.
By Ellen Kennedy Last updated
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What Is Escrow?
Escrow is a type of account used to stash money for a home purchase. A third party holds the account on behalf of the parties negotiating a deal.
By Seychelle Thomas Last updated
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What Is a 403(b) Retirement Plan?
Many teachers and other non-profit workers are offered 403(b) plans, rather than a 401(k). But what is a 403(b)?
By Seychelle Thomas Last updated
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SIMPLE IRA: What It Is and How It Works
A SIMPLE IRA allows self-employed and small business owners to contribute funds toward their employees' and their own retirement savings.
By Seychelle Thomas Last updated
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Most Americans Expect to Reach Financial Prosperity. Do You?
Most middle-class Americans expect to reach financial prosperity within the next decade, Santander study shows.
By Seychelle Thomas Published
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Senior Living Costs Continue Rising, but Residents Aren’t Satisfied with Value
New study reveals that senior living facilities have rebounded from their pandemic staffing struggles but instead battle with matching added value to increased prices.
By Seychelle Thomas Published
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Black Friday Discounts: Retailers With the Best Deals
Comparing Black Friday discounts is hard work. A new study highlights retailers with the best deals in key shopping categories.
By Seychelle Thomas Published
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Are You Planning to Splurge? Most Holiday Shoppers Are
Holiday shoppers are planning to spend big despite inflation concerns, survey shows. Many plan to budget and look for deals, but 96% say they still expect to overspend.
By Seychelle Thomas Published
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Cyber Monday Sales Could Eclipse Black Friday. When Will You Shop?
81% of consumers plan to shop on the three major holiday shopping events this year: Black Friday, Small Business Saturday, and Cyber Monday.
By Seychelle Thomas Published
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The $600 Billion Dilemma: How to Help Family Caregivers
A new report found that caring for family members creates significant financial impacts for caregivers. Here's a look at why that is and how to help.
By Seychelle Thomas Published
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Five Housing Markets On the Rise
Study shows homes in five markets are going under contract in less than two weeks, despite a broader national housing market slowdown. Which cities are bucking the trend and why?
By Seychelle Thomas Published
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Where Do Homes Sell the Fastest?
Houses sell the fastest in Massachusetts and New Hampshire, new study shows, and slowest in Montana and New York.
By Seychelle Thomas Published
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Gen Z Saves Less, Feels Better About Retirement, Study Shows
Gen Z saves less money than older groups due to inflation, but remains more optimistic about having enough to get by in retirement, study shows.
By Seychelle Thomas Published
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Gen Z FOMO Fuels Big Spending Despite Inflation
Gen Z continues to spend on entertainment, while Millennials, Gen X, Boomers hold back due to worries about pricing pressures, new study shows.
By Seychelle Thomas Published
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Hidden Fees Cost Americans Billions — New Proposal Could Stop That
A proposed junk fee ban from the FTC could save Americans billions of dollars, if it goes through. Here's what's at stake.
By Seychelle Thomas Published
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5 Most Common Phone Scams You Need to Avoid Now
Americans receive an average of 14 spam calls per month, new study shows. Amazon, insurance, credit card, crypto, loved one in trouble among biggest scams.
By Seychelle Thomas Published
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High Mortgage Rates Stunt Buying Power
The high-rate environment of today’s housing market leaves potential homebuyers with less purchasing power than last year, study shows.
By Seychelle Thomas Published
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High-yield savings accounts are offering rates as high as 5.33%, drawing 3 in 5 Americans to save rather than spend, new survey shows.
High-yield savings accounts are offering rates as high as 5.33%, drawing 3 in 5 Americans to save rather than spend, new survey shows.
By Seychelle Thomas Published
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Have You Saved Enough For Retirement?
At least half of workers surveyed by Bankrate think they haven't saved enough for retirement. One-third think they are significantly behind in their savings. Are you?
By Seychelle Thomas Published
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Monthly Housing Payments Hit All-Time High, Study Shows
Monthly housing payments hit an all-time high in September, a report from Redfin shows, reflecting the multi-decade high for mortgage rates and continued rise in home prices.
By Seychelle Thomas Published
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Credit Reports Are Now Permanently Free Weekly
Major credit reporting agencies Experian, Equifax, and Transunion have made a pandemic era program permanent, allowing consumers to check their credit weekly for free.
By Seychelle Thomas Published
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CD or Money Market: Where to Stash Your Cash?
Both CDs and money market accounts offer good prospects right now. What's the difference and which should you choose?
By Seychelle Thomas Published
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Walmart Delivery Goes Express
Both Walmart and Albertson's are offering express delivery options for consumers. Walmart to offer late-night deliveries at 4,000 stores nationwide.
By Seychelle Thomas Published
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Will You Outlive Your Money?
Outliving your money is something current and future retirees worry about. A new study shows the majority of people underestimate how long they may live in retirement.
By Seychelle Thomas Published