woman using credit card
15 Dec

Best Practices for Using a Credit Card Responsibly

Many of us—especially young adults—are afraid to make the switch to a credit card because of the possibility of accumulating credit card debt. Still others who already have credit cards use them with little regard as to how accumulating debt and/or building credit will affect them financially. The fact is that credit cards are almost essential for building a credit history (which comes in handy when applying for any type of loan), and using a credit card strategically can truly be beneficial to your financial stability. Because many people are unaware of how exactly to use a credit card wisely, here is a primer on best practices to keep in mind when using a credit card.
bank customers
01 Dec

Bank vs. Credit Union: The Key Differences

People tend to use the word “bank” to refer to any financial institution, but really there are two types of financial institutions you need to be aware of: banks and credit unions. Banks and credit unions are similar in that they both offer financial products to customers, such as checking and savings accounts, CDs, loans, and credit cards; but there are some key differences between the two to consider as well. Here is a look at the primary differences between banks and credit unions.
Grocery shopping
15 Nov

How to Spend Less on Groceries

Groceries are an essential monthly cost, but it’s also an area with a lot of wiggle room. Sure, you need to buy food, but do you need as much as you usually get? There are a million ways to cut back on your grocery bill, and still eat well. So, if you’re looking for a place in your budget with a little bit of wiggle room, look no further! Pick a few of these tips, put them into action, and watch your monthly grocery costs fall, leaving you more cash to save or spend on things that you really want.
01 Nov

Saving Money on Car Expenses

While cars are an infamously bad investment, it’s also true that it’s hard to get by in modern life without one. Cars cost Americans over $8,000 per year. That includes insurance costs, gas, maintenance, fees, registration, and depreciation. In fact, a car is usually the second-biggest expense in life, after housing costs.