Holiday shopping may be the costliest ever in 2021, with the economy rebounding, consumer demand strong, and inflation high. With careful planning, organization, and reasonable discipline, you can get through January without financial regrets and save some money.

Building good credit can be a lengthy process, and it is one that is a lifelong process. Since building credit usually starts when you are young and lasts your entire life, it would seem to follow that there may be a correlation with age and credit scores. Overall, average FICO credit scores have risen in …

When it comes to deciding what to do on a date night, many people often have the same visual: expensive food, expensive drinks, fine dining, and lots of money spent. While this may be the case for some people, this is hardly always the case, especially for those who want to switch things up and …

Building good credit is a lifelong process and one that requires great diligence and discipline. However, these days, the younger generation is not always equipped with the information needed to successfully build good credit. Basic personal finance is not being taught in all curriculums, so younger individuals are ill equipped to responsibly manage their finances. …

Interest rates are at record lows these days, and that means now is a great time to consider refinancing. This is especially the case for people who have taken out auto loans, particularly those who took out their loans at relatively high rates. Depending on your personal circumstances, now may be a great time to …

When it comes to maintaining a good credit score, this can be a difficult endeavor, especially if you are strapped for cash. Building a good credit score requires persistence and discipline, and it this is often a several years’ process. One event that may have significant and long-lasting consequences on your credit score is foreclosure. …

Several years ago, using cryptocurrency was hardly mainstream. Cryptocurrencies were relatively new to the market, and few vendors – let alone commercial banks and the likes – utilized this form of currency. But in recent years, cryptocurrency has risen sharply in popularity. Large institutions and well-known investors have been endorsing the use of cryptocurrency, and …

Many Americans are struggling with seemingly massive credit card debt balances. These balances become extremely costly, as credit cards carry an average interest rate charge of 16% annually. Since many of these same people are operating on a tight budget, people are searching for alternative ways to pay off their credit card debt. One such …

The COVID-19 pandemic has forced people to work from home and also placed a significant financial burden on many. As a result, a large number of people have picked up side hustles to earn extra income. And while it is true that many younger people are pursuing side hustles, they are not the only ones. …

Saving for retirement can feel like a daunting task, especially when you are young, and retirement feels extremely far away. One of the most important aspects of planning for retirement is accurately predicting how much you’ll even need to save in the first place. After all, having a clear goal to work toward will help …