1. Create a new budget. A new year calls for a new budget. Rolling over an existing budget might be easy, but making changes now is easier than dealing with debt in the future. Have you moved, switched insurance, or added a new family member (child or pet) in the last year? Take into account what changed [...]
With only a few days left until Christmas, retailers are rolling out deep discounts to attract last-minute shoppers ready to click “BUY.” The so-called “flash sale” discount sites are particularly enticing. A designer bag or new tech tablet is offered in limited quantities, and a timer runs nearby telling you how much time is left. Thinking [...]
Though the United States government hasn’t been fiscally responsible this year, at least the American people have: For the 9th consecutive quarter, delinquency rates fell for consumer credit cards. It’s exciting news, but it remains to be seen if consumers kept up these good habits on Black Friday. US retail sales hit $11.4 billion to kick off the holiday shopping [...]
