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Credit cards offer convenience, security, and even rewards. However, using a credit card without proper planning can lead to high-interest debt and land you in financial hardship. Therefore, it’s important to understand how to use a credit card responsibly. Setting a clear budget, paying off balances in full, monitoring credit scores, and avoiding common pitfalls are essential credit card management techniques. With discipline, you can enjoy the benefits of credit while maintaining control over your finances.

Cyber threats have become increasingly sophisticated, targeting not just large corporations but individuals as well. Among these threats, the spear phishing attack is one of the most deceptive and damaging. So, what is a spear phishing attack, and how do you protect yourself?

Buying a car is an exciting milestone but can also be a significant financial decision. While most people focus on price, its also important to prioritize competitive financing. The auto loan rates you secure can substantially impact the overall cost of your car purchase. Lower interest rates mean more money saved in the long run. So, it’s essential to secure the best auto loan rates possible.

In this article, we explore expert tips and strategies to help you navigate the world of auto loans and get the best rates for your next car purchase.

Managing finances as a couple can be both rewarding and challenging. While shared goals and dreams create a strong foundation, differences in spending habits and financial priorities can sometimes lead to discord. In this article, we'll explore practical financial strategies designed to strengthen your relationship and secure your financial future. Whether you're newlyweds or seasoned partners, these tips will help you navigate the journey of financial harmony.

Ask any efficiency-minded car shopper, and the first question is usually: Can you buy a car with a credit card? In theory, the answer is yes — you absolutely can. In practice, the path is littered with card-issuer rules, dealer surcharges, and interest-rate landmines that can turn a clever rewards strategy into an expensive misstep. New-vehicle prices hit an average of $48,699 in April 2025, a 2.5% month-over-month increase (Cox Automotive, 2025). At the same time, Woolsey (2025) notes the median credit card APR climbed to 24.2% in March 2025. That combination of sticker shock and swipe costs makes it vital to understand every angle before you hand the finance manager a piece of plastic.

Estate planning allows you, not the courts, to make important decisions about your assets in the event you are incapacitated or deceased. Take a look at this lesson to learn about four documents that are essential to any estate plan.

Choosing the right Colorado credit union can offer unique benefits, such as lower fees, personalized service, and community involvement. This guide will help you understand what to look for when selecting a credit union that meets your financial needs, comparing top options, and how to join.

Groceries are a significant part of any household budget. According to the U.S. Bureau of Labor Statistics (BLS), households spend an average of $5,703 annually on groceries, which translates to $475 monthly (BLS, 2023). Therefore, finding ways to save money on groceries can make a big difference. In today’s economy, every dollar counts. So, in addition to adhering to saving money tips, making small changes to your shopping habits can lead to substantial savings. In this guide, we'll share valuable tips for saving money on groceries to help you cut costs without sacrificing quality or nutrition.

Can you pay rent with a credit card? Short answer: yes. Absolutely, but only if your landlord or a third-party processor will take the plastic and you are prepared to shoulder—or cleverly avoid—the fees. Roughly 22% of U.S. renters already put monthly housing costs on debit or credit cards, according to a 2024 payment-trends study by property-tech firm Zego (Salmonsen, 2024). That slice is growing because tenants want smoother cash flow and richer rewards, while landlords crave on-time payments. Still, every swipe passes through a maze of surcharges, interest rates, and utilization limits. Before you tap “Pay,” you need a plan to ensure you have a smart credit card management strategy in place.

For many Americans, homeownership is one of many significant life events, and for a good reason. It offers financial security, stability, and the freedom to customize your living space.

While there are many emotional benefits of owning a home, like having a yard for your kids to play or a private space to wind down, there are also financial and practical benefits. Historically, owning a home has been a source of long-term financial security. Home prices appreciate over the long term, and owners can borrow against their home equity. Of course, it also comes with responsibilities such as maintenance and upkeep. However, the benefits outweigh these responsibilities. In this article, we will outline 10 benefits of home ownership.