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How Low Interest Rates Affect Your Money

Following the coronavirus pandemic, the Federal Reserve expects to maintain low interest rates for the foreseeable future. The Fed’s decisions affect nearly everyone because of one fact: It impacts consumers’ cost to borrow money. For example, when interest rates rise, the interest expense on variable rate debt balances generally rises. Low interest rates can be…

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Savings Advice I’d Give to My 20-Something-Year-Old-Self

Experiencing financial freedom after graduating from college is liberating but what you do with that first paycheck will pave the way for your financial future. Believe it or not, creating smart savings habits should start while you’re young. Sure, it feels nice to wine and dine every night of the week but how do you…

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Spring Clean Your Budget

Change rarely makes us feel comfortable. When winter sets in every year, we celebrate our rituals and holiday traditions, relishing the comfort we feel from the familiar. Often, change is the last thing on our minds. Thinking about leaving our comfortable winter bubble can be as jarring as leaving the warmth of your bed on…

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Small Money-Saving Habits Worth Something Big

When thinking about how to improve your saving and spending habits, it is common to devise an overly restrictive and impractical plan that you won’t likely stick with in the long term. Instead of swearing off shopping or restaurants for eternity—a strategy you’re bound to break before the end of the week—try these small changes…

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