New Year's Day January 1st circled on a calendar with the word "START!" signifying the starting of a New Year's resolution.

If you have changes to make in your life, especially in your health or finances, there is no need to wait for New Year’s resolutions. The sooner you make changes in your life, the sooner you will see the results!

Man and woman sitting on couch holding an open empty wallet with bills and a calculator on coffee table talking about having no money

Cash is the preferred method of payment for many who want to avoid financial stress. Does it really keep your spending in check as many would lead you to believe?

Paying a credit card early showing up on credit card statements

Paying a credit card early can be tempting. If you are looking to maintain or build credit, you definitely don’t want to pay your credit card as you spend.

Visa and MasterCard credit cards stacked

There are a lot of different types of credit out there. Knowing the differences will help you manage your money better and hopefully not get into credit trouble.

Close-up of credit cards to do a balance transfer

The 0% balance transfer is a popular tool in personal finance. It can be very beneficial but also carries a huge risk as well.