NerdWallet Review: This App Makes Money Management A Breeze

1. Not automating your savings

When's the last time you actually put money in savings when you said you would? Let me guess: it went towards your fave Chick-Fil-A meal or the Valentine's Day decor you couldn't resist buying. This is a judge-free zone, so I'm not here to make you feel bad, but sometimes our best efforts to save money fall flat. Yet have no fear because there's a solution that stems from something you've been overlooking.

"One of the most common money mistakes is not automating your savings. If you’ve ever gotten to the end of the month and felt guilty because you didn’t save any money (or as much as you hoped), this is one thing you can do to help yourself out," says Dunlap. According to her, this looks like you taking the time to "set up an automated transfer from your checking to your savings, at least once a month." You could "set up the transfer on the first day of the month, maybe on the first and half-way through the month, whatever works for you."

But don't worry about getting things "wrong" because Dunlap doesn't think the amount you transfer has "to be a lot" because "even $20 means we're choosing progress." In her opinion, the very act of automating your savings means "you're doing the hard thing first!"

2. Overlooking high yield savings accounts

In addition to having an automated savings transfer, it also matters what kind of account you're putting your money into. I'm 100% guilty of going beyond a basic savings account as a broke college student because I was terrified I wouldn't understand the terms of what I was doing. Apparently I'm not the only one because Dunlap says we tend to overlook "ensuring that savings money is going into a high yield savings account. But, what is it?

"This is just like a normal savings account, but it’s going to earn you WAY more in interest. Basically, your savings are going to make you more savings," she shares. If you're scratching your head and need more information, we've got your back! Basically, "this is going to be the perfect account to keep your emergency fund in," according to Dunlap.

Instead of being limited to when you can access your funds (like a certificate of deposit or CD), she says "you can take your money out at any time, your money is insured," and "the partner" she and her team "recommend" doesn't have "fees" or "minimums." However, she warns "terms always apply, so check with your bank" before making a hasty decision.

3. Treating your retirement account as an investment

Full transparency moment: I didn't start paying attention to my retirement account until I left my prior job and had to roll the funds over. Even then, I thought I didn't have to focus on investments because I was sure my new IRA covered all the bases. Wrong! "...one of the biggest financial mistakes is believing the misconception that a retirement account itself is an investment–your IRA is not the investment, it's an account that HOLDS your investments," stresses Dunlap.

Her advice? "Don't just put money into a Roth without actually investing it. It’s a two-step process: make sure you transfer money into your account, and then buy investments with that money."

4. Going into debt to enjoy yourself

I fear little treat culturesunk its teeth in us and hasn't let go. I'm a recovering shopaholic who puts things in my cart and empties it if I ever feel the urge to do some unhinged damage to my debit card. Still, there are other people who are still in the trenches of living a FOMO-life.

"We know Millennials and Gen Z-ers are more likely to splurge or go into debt for travel, events and entertainment than their generational counterparts–there’s nothing wrong with having a little fun money (plus, I don’t blame them after the pandemic), but we want to make sure we’re not going into debt or dipping into an emergency fund to make it happen," says Dunlap.

If there's something you really want to do, back away from the credit card and listen to Dunlap's suggestions first. She says, "For something like a big trip or a concert, I would suggest starting a sinking fund or a dedicated high-yield savings account. That way, you know you’ve saved that money for the exact purpose you’re using it for, and you get to protect your emergency fund and credit cards in the process."

5. Waiting too long to start a retirement fund

Be honest: do you have a retirement fund? If your answer is no, Dunlap is ready to have a heart-to-heart with you. "In addition to not investing, I see a lot of women waiting too long to start preparing for retirement," she says. It's so easy for Millennials and Gen Z to think our elderly years are far away, but that doesn't mean we can't start planning for them now.

Also, saving or investing your money while you have debt isn't a sign of irresponsibility. Dunlap says, "You may have heard that all of your debt needs to be gone before you start investing–sure, some of your debt needs to be gone." Of course she'd like to see "your high cost debt like credit card debt" lowered as much "as possible before you prioritize investing," but she doesn't want you to "wait too long to start investing because" you think your "other finances aren't perfect," you're clueless about next steps, or think you "need a billion dollars to get started."

All you have to do is try. "...you’ve got to start somewhere, and something is better than nothing," adds Dunlap.

6. Bypassing investing because you have limited information

Financial literacy is important, but you're not incompetent because you have limited information about investing. Dunlaps says she sees "people believing the misconception that investing means you’re just selecting individual stocks and taking a gamble on them." Though she agrees it's "an option," she wants you to realize it's "not the only one." So, what to do?

"You can also consider investing in index funds. Essentially, this is a group of companies or groups of stocks. So rather than putting all of your eggs in one basket, you’re putting your money towards something more diversified and low-risk, that’s going to be less of a gamble long-term," suggests Dunlap.It's actually something she likes and teaches about in Stock Market School. "...index funds made me a millionaire," she offers.

BRB, going to sign up so I can get my finances together once and for all.

7. Shying away from budgeting because you don't want to be restricted

Friends, we can't keep running away from the "budgeting" word. It hasn't helped us, especially if we've been crying about sneaky expenses that are doing a number on our accounts. There's a reason we keep running from it though.

"A lot of us associate a budget with restriction–the idea that in order to save money, you have to restrict yourself and keep a tighter budget. But if you treat money like a diet, it will inevitably fail," Dunlap points out. Here's a secret she wants you to know: "It’s not your fault that you’re not sticking to your budget, it’s just psychology! If you tell me I can’t have fried chicken, all I’m going to do is want fried chicken. Psychology."

Her point is that "a super restrictive budget just doesn’t work, it's not sustainable" because "your budget shouldn’t stop you from doing things." Instead, she feels "it should be the thing that allows you to do things comfortably." You know like buying those new pair of shoes without calculating if you're going to forfeit part of your cell phone bill.

Dunlap further says, "I’m not going to tell you to stop spending money, because that’s not the solution. I am just going to tell you to stop spending money on things you don’t care about." Her number one suggestion for "helping your budget" is to "establish 3 areas of your life where you get the most joy (ex. eating out, traveling, nesting)."

"When you review your budget, these are going to be the 3 areas you make sure your spending is in line with," she also says.

8. Pretending your debt doesn't exist

How many of us are guilty of ignoring the credit card bill until we get our statement? According to Dunlap, that's a terrible idea. "The first thing is to make sure you know your numbers, and aren’t running from them–the only way to take control of your debt is by avoiding what’s called the Ostrich Effect.

This is when you avoid addressing and accessing a situation because you’re afraid of what you’ll find," she says. Wondering who the ostrich is in this situation? You are because you're keeping your "head in the sand." However, it's "so common when it comes to debt, but conquering it is the first step to making progress."

Next up? Get familiar with "tackling debt" by "building an emergency fund — regardless of how much debt you're in," says Dunlap. Even if things feel like they're going really well, she knows "life is inevitably going to throw you a few curve balls." Here's looking at you unexpected car crash that totaled my car last year.

"If you're not prepared for emergencies, you still need to find a way to navigate them–whether that’s dipping into your savings, using credit cards, or asking family and friends for help. We don’t want you to have to do that–we want you to have an emergency fund that you can use," she says. It "safeguards you from going into more debt in an already stressful situation," according to her.

After you've started building a nice emergency fund, she can't wait for you to use her "favorite debt handling method" called "the Debt Avalanche."

1. Write down all of your debts, listing them from highest interest rate to lowest, and how much the minimum payment is on each.
2. Calculate your total minimum payments to give you an idea of how much you need to pay every month to keep current.
3. Start paying extra on the credit line with the highest interest rate. Keep paying the minimums on the rest. This process works best when you focus on one bill at a time.
4. Once you’ve paid off the debt with the highest interest rate, move down the list to the next one and start paying whatever extra you can towards it each month.

Again, Dunlap doesn't want you to feel like you have to have a fail-proof system in place. "Start where you’re at — you’ll be amazed how fast that debt will start disappearing even with just an extra $15 – $20 a month."

Noted! How can I create attainable financial goals this year?

Now that you're ready to stop making financial mistakes, you can start thinking about your overall money goals for the year. Dunlap says, "One thing you can do to make your goals automatically more achievable is attach them to a mission. It’s one thing to give it a deadline and make it specific, but thinking about what achieving it actually means to you is going to drive you to accomplish it a little more."

An example she gives is you saying "'I will save my first $100K (specific) by the end of 2026 (timely)'," but she asks, "what does that mean to you, what does it get you? Why is important?"

Per her suggestion, "add your answer as a part of your goal statement." She says you could write something like "'because I want to have enough money to quit my toxic job (mission-driven).'"

Doing this "makes accomplishing your goal about more than the money, and reminds you why you're doing it in the first place," she says as her final piece of guidance.

1. Forgotten Subscriptions

How long has it been since the free streaming or content creation trial you signed up for expired? We're not psychic but we're sure you're looking at us with a blank stare or a set of surprised eyes.

Subscriptions are always tricky because they offer an enticing 7 or 30-day trial with an app's endless features. At this point, we're convinced marketers know we're likely to forget about the free period which is why we often see the same in-app scripts.

If you know you're not using certain apps or streaming platforms, make sure to cancel them because $4.99 — $9.99 per week or month adds up!

2. Premium Food Delivery Services

Sigh. This one's hard to write about because we love the convenience of having food from our favorite restaurants delivered to our front door. But, that's where the lie begins because there isn't anything convenient about delivery, taxes, silverware, and tip fees on top of the cost of your order. And when you add on a premium delivery fee that seemingly cancels a free delivery, you're still paying for it in some way.

This means you could spend over $100 per year to skip one fee, and you're not guaranteed to love your order or even get it in worst case scenarios. Yikes!

3. Pesky Auto-Renewals

Did you forget that you agreed to pay for an auto-renewal of a magazine you stopped reading? It happens to the best of us, and can be one of those hidden expenses that's easy to ignore. You think, "Oh, "$12.99 per year isn't bad," until you realize that the price somehow increased when you weren't looking. It's even worse if you're subscribed to more than one magazine that you no longer care about!

4. ATM Charges

There's a reason your bank highly recommends you use their ATM's to withdraw money because external sources usually charge a fee. It may seem small, but why should you be charged to get a little of your money?

If you can, skip the extra $2.99 charge for your transaction and find your bank's ATM.

5. Your Daily Coffee Shop Order

We've all told ourselves how essential our coffee shop orders are. They help us get through our work week and feel like one of the less expensive little treats we can indulge in. But, those daily orders are adding up.

For example, let's imagine someone named Ginny spends $10 per work day on her favorite drink and breakfast order. If she does this consistently for one month, she'll have spent an extra $200 per month on them!

TBH, this extra money could go towards savings, a bill, or an unexpected emergency.

6. Weekly Nail Salon Visits

We know getting your nails done counts as self-care, but it can be an expensive form of it. One of the things we've been relying on is giving ourselves at-home manicures or relying on press-on nails. They still fulfill our beauty needs without putting a dent in our bank accounts.

7. Credit Card Interest

If you think you're imagining an increase in your credit card interest, there's a good chance you're not. And it's worth looking into how much for the specific card(s) you have.

It's not as easy to tell you not to carry a balance every month because you may have had to pay for a surgery or emergency car repair, but this is how credit card companies get us. That interest can range from an extra $100 — $300 on top of your actual balance, meaning you're only paying a tiny portion of it each month.

Our advice is to pay more than your monthly fee so that you're able to put a dent in the interest as much as possible!

8. Leaving Lights On At Home Because You 'Can Do What You Want Now'

Most adults grew up hearing how leaving lights on at home was a cardinal sin, but there's a reason why parents fussed about it so much. It costs money that will show up on the next energy bill. Take it from one of our writers whose saw one of her bills skyrocket to almost $250 when she first moved out of her parents' home.

If you have to leave a light on, look into using energy saving light bulbs or burn a few candles for a dark romance vibe.

9. Splurging On Groceries Just Because

Say it with us: overconsumption isn't a goal this year! Usually we'd insert a little joke here, but buying a ton of groceries that'll likely go to waste just because you have the money for them isn't a flex. It's wasteful to your bank account and the environment.

Stick with the groceries you usually get or make a detailed list that includes items that you're going to meal prep instead of "winging it."

10. Daily Trips To The Gas Station

We're not talking about spending money on gas here. We know you might have a daily habit of stopping by the QT or BP near your house to get your favorite juice, Gatorade, or sunflower seeds pack. Although you can include them in your grocery trip, you've somehow convinced yourself that these items taste superior coming from the shiny convenience store.

We're here to gently burst your bubble by telling you they don't. The store's layout is just beckoning you to stop similar to the urge you get in Target.

In other words, you don't need to keep making daily trips there unless you want to keep pretending you're not sure where your money's going.

Rachel Zegler's Snow White is more inspirational than ever.

In the standout ballad “Waiting on a Wish," Snow White wonders “is it almost someday?” as she confronts the exhaustion and weary hope of waiting for a day of peace she’s not sure will ever come. Snow knows her father can set everything right, but struggles to believe she’s as “fearless, brave, fair, and true” as he is, even if she knows her true identity is a future queen.

Throughout the course of the movie, she finally comes to believe it’s up to her to change the fact the Evil Queen has “poisoned everyone into believing it’s everyone for themselves.” It’s that echo from the wishing well that provides an undercurrent to this new story — Snow White is waiting, but she’s actively waiting.

We are, after all, living in a post ‘90s-princess world, where our canon includes Belle daydreaming about a life outside her village and Mulan taking destiny into her own hands. Rachel Zegler’s Snow White isn’t just dreaming of a different life, she’s dreaming about actually changing her life, and becoming the boldest, truest version of herself.

This shift proves Disney movies are no longer purely about celebrating an original story’s beauty or providing comfort; they’re a call to action. Whether that shift is a good thing or a bad thing remains to be seen, but I walked out of the theater feeling better than I did walking in.

Despite Disney’s OG princess getting a couple contemporary updates, the integrity of the character remains intact because the updates aren’t harsh or biting. The character doesn’t steer into one-dimensional territory where she’s only obsessed with true love or only obsessed with reclaiming the kingdom. Snow White doesn’t let anyone step all over her, but none of her sweetness is sacrificed for shock value, and that combination of firm and bold kindness inspires change in others.

Whether it’s offering comfort or literally saving someone’s life, Snow White actually shows up for people. And the butterfly effect of her actions culminate in a true, old fashioned showdown between Snow White and the Queen. Snow White’s return to the palace — as princess and not servant — moves the townspeople to sing her parents’ old song, in turn giving her the confidence to claim she’s “everything [she was] wishing and waiting for.”

'Snow White' is the kind of nostalgic Disney movie we haven't seen in years.

Erin Cressida Wilson's script feels like the kind of sweet Disney story we all love, with emotional beats, pacing, and humor that had me reminiscing on titles like Tangled, Miramax's Ella Enchanted, and the first season of Once Upon a Time on ABC.

Director Marc Webb reframes the original cartoon’s theme of waking up in a really remarkable way because outside the literal poison apple of it all, after Snow White challenges the Queen, she reminds the soldiers of their true identities to wake them up and reclaim the palace.

Snow also ties the idea of waking up with falling in love, because contrary to internet chatter, the live-action Snow White does actually have a love story. And it’s one that had me literally giggling. Rachel Zegler and Andrew Burnap’s fun banter quickly morphs into butterfly-inducing stares and smaller, quiet moments every romance fan will love. And yes, they do address the kissing-without-consent issue a lot of Disney viewers have with the original cartoon.

The fleshed-out love story as well as added subplots about Dopey’s inability to speak and Snow White’s desire to make her father proud — plus a truly gorgeous score from Jeff Morrow — add so much nuance and emotion to the iconic story that people in my theater gasped and applauded throughout the third act.

Rachel Zegler is a true shining star.

Rachel Zegler is radiant as Snow White, and her performance makes the whole film shine. I’ve said for years that her voice solidifies her as a generational talent, but her expressions and awareness of the world around her truly set her apart. Not to mention the fact the film itself is a gorgeous, textured visual display that made me forget I was in a movie theater. And I could talk forever about the animated woodland animals!

The movie features songs from the original like “Whistle While You Work” (and if you listen closely, you can hear Rachel humming a few notes of “Someday My Prince Will Come” during a key scene), but the movie also adds some new songs from Justin Paul and Benj Pasek that join the ranks of great Disney music — especially “Waiting on a Wish” and “A Hand Meets A Hand,” which they co-wrote with Lizzy McAlpine.

But Gal Gadot's performance leaves something to be desired.

Compared to Rachel Zegler’s stellar performance, Gal Gadot’s role as the Evil Queen left me wanting more, especially when it comes to her big number “All Is Fair,” which I wish I'd heard from a Broadway diva. The character’s obsession with her physical beauty in and of itself also feels thin and outdated compared to the depth the new story offers Snow White. (The beginning of the movie does mention the Queen’s beauty is the source of magical power, but it’s so brief I forgot about it until my second watch).

And while I found the animated Seven Dwarves charming (and their story brought me to tears), I still don’t understand the decision to animate the characters rather than casting seven actors with dwarfism.

Overall, Disney’s live-action Snow White is a heartfelt film that inspires audiences to not just dream of redemption, but to actually make changes that better the world around them. Because Snow White will always be kind, but she’s not whispering anymore.