Understanding how much you earn and spend is the key to getting control of your finances. Creating a budget gives you a better sense of where your money is going and can help you achieve financial ...

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Elizabeth is a contributor to CNET and the The Simple Dollar, where she reviews insurance providers and policies. She has more than three years of experience writing for top online insurance and ...