• I Just Got My First Credit Card… Now What?

    I Just Got My First Credit Card… Now What?

    So, you recently got your first credit card. Sure, you read the fine print before signing up, but you probably still have questions about how to successfully navigate this brave new world. And there are likely a few gray areas your lender didn’t fully disclose. Here, we’ll investigate just...
  • Top 3 Benefits to Frugality

    Top 3 Benefits to Frugality

    Okay, it’s time to get real: Statistics show that most of us are WAY overspending. We’re either not saving enough to maintain a sufficient emergency fund or – even worse – spending more than we earn. In fact, the average American household spends 90% of its income.  At the...
  • Keeping Your Credit Card Info Updated

    Keeping Your Credit Card Info Updated

    When you’re moving, there are lots of, well, moving pieces. It’s a hectic time, to be sure: You need to make sure your utilities are switched over, your locks are changed, your kids’ new school registrations are complete, and your plants are surviving in their new habitat. But one...
  • 5 reasons to say no to credit cards

    5 Reasons to Say NO to Credit Cards

    Credit cards are a great option when you don’t want to carry cash. They enable online purchases. They are abundantly available. And they offer convenience, protection, and rewards that make them handy tools in your financial arsenal. They work well when you manage them smartly by paying off your...
  • 4 Quick Tips to Build Up Your Emergency Fund

    4 Quick Tips to Build Up Your Emergency Fund

    How’s your emergency fund? If you answered, “Very robust,” good for you. You likely have a secure financial footing, so continue what you’re doing. But if the words “your emergency fund” give you a deer-in-the-headlights pause, take heed! Financial experts agree that you should have enough savings set aside...
  • FAQs About Debt Management Plans

    FAQs About Debt Management Plans

    A debt management plan (DMP) is an agreement between a debtor (that’s you, the person in debt) and a creditor (think: your bank or your credit card company) that tackles your outstanding debt. In a nutshell, a DMP groups your outstanding unsecured debts (like your credit cards and medical...
  • 7 Lifestyle Hacks That Save Money

    7 Lifestyle Hacks That Save Money

    What does it mean to save money? We all understand the concept: Squirrel away more than you shell out. But fewer of us understand how to do this successfully. When debts are mounting up or your job isn’t paying you what you deserve, it’s easy to fall into the...
  • The Differences Between Debit Cards and Credit Cards

    The Differences Between Debit Cards and Credit Cards

    Every time you make a purchase using plastic, whether at the grocery store, retail outlet, or a gas pump, you are most likely prompted to choose whether you are using a debit or a credit card. Other than the fact that one requires a PIN (your four- to six-digit...
  • Fast and Effective Ways to Pay Down Debt

    Fast and Effective Ways to Pay Down Debt

    Are you heavy in debt and need to get out from under the burden? Is debt limiting your options in life and you need a way out? Debt has a way of creeping up on all of us, especially when we least expect it. If this has happened to...
  • How the 50/30/20 Rule Can Keep You on Budget

    How the 50/30/20 Rule Can Keep You on Budget

    Ever heard of the “50/30/20 rule?”  This type of spending plan has been around a while, although maybe you’re not familiar with it. But if you find most financial management plans too complex to be helpful, the simple budgeting strategy within the 50/30/20 could be the key that finally...