The average monthly mortgage cost in the United States is $1,492 per month according to data from Value Penguin. As such, it’s typically one of the largest line items on a person’s budget. If homeowners want to reduce this monthly payment faster, there are several mortgage hacks you can implement that will save you thousands of dollars on your…
A Simple Formula to Control Your Spending
Spending can balloon out of control quickly, and with inflation rising, keeping tabs on your money is more important than ever. As you examine your spending, look at the expenses you can’t control. More importantly, take a hard look at what expenses you can control. Analyzing your expenses doesn’t have to be a mystery or…
25 Ways to Stop Spending Money and Save for Retirement
Unfortunately, there are no shortcuts when it comes to saving for retirement. Instead, you must do all the small things that can add to a stable post-career life. Reining in spending, keeping costs down, and setting aside extra funds are just some of the intelligent things you can do to grow the money in your nest…
Money Crunch: What If You Can’t ‘Out-Budget’ Inflation?
Inflation is a nightmare for the many Americans who already stretch their dollars to cover basic needs. What happens when those dollars lose value? Their choice is probably not about whether to cut streaming services or opt for store-brand groceries. Instead, they may have to pick between buying enough food and paying rent. The families…
New Survey Shows Student Loans Have Delayed Wealth-Building for Gen Z and Millennial Borrowers
By Hanneh Bareham From Bankrate.com Roughly 60 percent of U.S. adults who have held student loan debt have put off making important financial decisions due to that debt, according to a new Bankrate survey. For Gen Z and millennial borrowers alone, that number rises to 70 percent. Student loans have prevented these borrowers from saving…
4 Items for Your Midyear Money Checklist
A lot can happen in six months. That’s why, as we close out the first half of the year, it makes sense to check in on your financial life. “With inflation, I think people this year are more heavily impacted than they probably have been in many years leading up to this point,” says Jason…
My Shopping Addiction Rehab Program
July 3, 2022
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Shopping is my thing. I love the thrill of the hunt, that feeling of discovery and the joy of a bargain. I find it satisfying in ways I cannot fully describe. I want to experience the feeling as often as possible. Shopper’s high is no joke. It’s real; it’s palpable; and it’s addictive. Shopping got…
How to Double Your Savings Account in 12 Months—The Secret Key to Savings Success
Nearly 1 in 5 Americans didn’t save any money in 2021. If you’re one of them and determined to double your savings account by next year, there’s one thing you need to do. First, though, visualize success. Imagine for a moment that you wake up to see your savings account is double the amount it was a…
Will the Fed Cause a Recession by Raising Rates? Here’s What Experts Are Saying
By Sarah Foster From Bankrate.com High inflation comes with a heavy economic price, but so can the Federal Reserve’s attempts to get it under control. The Fed has a tried-and-true method for curing inflation: raising interest rates. But it’s a blunt instrument, with no room to fine-tune specific corners of the economy. Hiking borrowing costs…
Is ‘Learn Now, Pay Later’ Just Another Student Debt Trap
The “Buy Now, Pay Later” (BNLP) transaction is simple: Shoppers are offered an installment loan at the point of purchase, spreading the cost of the product across several payments. They’re often available without a credit check. BNLP financing has become a go-to payment method at most major retailers for everything from clothing and cosmetics to…
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