50 Things to Stop Buying If You’re Trying to Save Money
When you decide you want to get serious about your finances, figuring out the right things to stop buying to save money is often the…
I Can Only Afford the Minimum Payments — Now What?
You log into your banking app, and your stomach immediately drops. You see the total balance on your credit card, and it’s a number you…
Emergency Fund vs. Paying Off Debt: Which Should You Do First?
It is 2:00 AM on a Tuesday, and you are staring at the ceiling. In your checking account, you have exactly $2,400. On your credit…
Should You Save, Invest, or Pay Off Debt First?
It is the ultimate financial tug-of-war. You finally have a little bit of extra cash at the end of the month, but you are immediately…
The Fastest Ways To Lower Credit Utilization (And Boost Your Score)
You log into your banking app, feeling pretty good about yourself. You just made your credit card payment right on time, just like you always…
What Should You Do With Extra Money Each Month?
Finding yourself with extra cash at the end of the month is a massive financial milestone. It means you have successfully lowered your living expenses…
Debt Avalanche vs. Debt Snowball: Which Debt Payoff Method Works Better?
When deciding how to finally crush your credit card balances, the choice almost always comes down to the debt avalanche vs debt snowball method. I…
The 50/30/20 Budget Rule Explained Simply
I used to think budgeting was synonymous with self-punishment. For years, I attempted to manage my money by downloading ridiculously sophisticated, 14-tab spreadsheets. I recorded…
0% APR Balance Transfers: How They Actually Work
If you are carrying a credit card balance at a 24% interest rate, your minimum payment is no longer paying off debt—it is simply paying…
How the Debt Snowball Method Works for Credit Card Debt
Three years ago, before I discovered the debt snowball method, I stared at a spreadsheet on my laptop that made my stomach drop. I had…
