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The Fed Just Cut Interest Rates: Here’s What you NEED to Know for Your Money & Goals
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Today’s Edition: The Fed Just Cut Interest Rates: Here’s What that Means for Your Money Goals
Welcome back to another edition of "Rolling in Dough" Newsletter, where we serve up the simplest ways to save more, spend less, and build wealth with regular insights, behavioral science hacks, and tiny tips to do today. I hope to make your financial journey a little fun, simple, and totally doable, where ever you are on your wealth journey.
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The Fed just cut interest rates by half a percent. Here’s what you need to know about how it impacts your money, your debt, your goals, and even your savings.
Why This Matters:
Inflation is now starting to cool off as prices on everyday things come down, finally. So, the Fed is bringing down interest rates to make loans cheaper again.
The goal here is: since prices aren’t rising as fast anymore, they’re making loans more affordable so people feel comfortable getting home loans, car loans, and using credit cards again.
They may keep lowering rates over the next few months, or keep the rate as-is for a while, depending on how things go, to keep the economy moving in the right direction.
What’s Impacted:
That being said, here’s how this interest rate cut directly affects you and your money:
👍️ Credit Cards: Good.
Most credit card interest rates are variable, meaning the interest rate changes. So, because of this interest rate cut, your credit card interest could go down over time.
If you’ve got a balance, your rate won’t drop instantly.
But as interest rates go down, you’ll start seeing smaller interest charges, which means more of your payments will go toward reducing the actual balance that you owe, not just the interest.
That’s a good thing because that credit card can get paid off even faster with more of your payment reducing what you owe.
👍️ Student Loans: Could be Good.
For federal student loans (Think: Sallie Mae, etc.), nothing changes.
But if you’ve got private loans (like through a bank) with a variable interest rate, the interest cut could mean you’re paying less in interest, leaving more money to go toward paying off your actual loan balance. This is a similar situation as credit cards.
How to Find ‘Variable’?
You can look on your monthly statements, usually near the end, to see what your interest rate is and whether it's variable or not.
It will usually have the letter “v” beside it, which means your interest rate changes often, and with the Fed interest rate cut, the ‘variable’ rate will likely go down. This is good news for credit and loans.
👍️👍️ Cars & Homes: GREAT.
If you already have a car loan or home mortgage, your rate stays the same (unless you refinance in the future).
But if you’re shopping for a car or house soon, this is great news: these lower interest rates could mean smaller monthly payments on new loans. This helps make home ownership a bit more affordable and attainable for many people.
👎️ Savings Accounts: Not Good.
Not so good news
Now, about your savings. Fed cuts are great news for loans but not so great for savings.
Since the Fed is cutting rates, your savings account will likely earn less interest.
In other words, your money won’t make as much money from interest as it used to.
This applies to things like high-yield savings accounts, CDs, and money market accounts, so keep an eye on those numbers over the coming months.
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How to Make It Work for You:
So, what should you do next?
Pay Down Debt:
You can focus on paying down high-interest credit card debt. As rates drop, you’ll pay less and less in interest, which means you can knock down your debt faster.
Plan for Big Purchases & Goals:
If you’re in the market for a car or house, watch for even lower rates. Lower rates mean lower monthly payments, so don’t rush, but be ready to act because we expect more rate cuts in the coming months. This can make homes more affordable for a lot of people, with lower monthly payments.
Get Creative with Savings:
If your savings account is earning less, think about other ways to grow your money. High-yield accounts still work, but it’s worth looking at other options like investing.
👋 TO GO BITES: THE WRAP UP
The Fed is cutting rates, and this means loans are getting cheaper, but your savings might not grow as fast.
And with inflation coming down, prices on everyday things should keep coming down too.
So stay on top of your debt, time your major purchases and goals wisely, and make sure the money you’re setting aside to grow is working for you.
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👋 Until next time,
Rooting for you! Let’s make this dough grow!
Profit Nic
Not legal, tax, or investment advice. Lotsss of simple ways to save more, spend less, and build wealth. You are absolutely amazing.