Are You a Credit Junkie? Millions of Americans rely heavily on credit, including the government itself. A “junkie” is not just someone addicted to drugs. The term also describes anyone who depends too much on something. For many people, that dependency comes from using credit to buy things they cannot afford. Credit feels harmless at […]

You’re Saving Again — That’s a Win Give yourself some credit. Government data shows that many Americans have reduced debt, cut spending and increased savings since the financial crisis. In fact, personal savings have reached the highest level in years. Now comes the next challenge. How do you use those savings wisely? Where Should Your […]

Change Your Environment to Improve Your Finances A few months ago, my former colleague Alice asked for advice on becoming more disciplined with money. I told her she already had discipline. However, she needed to change her environment to support saving and frugal habits. I shared an example from my own experience with weight loss. […]