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. […]

How Credit History Shapes Your Financial Future Your credit history plays a major role in your ability to borrow money. Lenders review your past and current financial behavior before approving any loan or credit card. Because of this, managing your credit wisely helps you secure better opportunities in the future. On-Time Payments Build Trust Paying […]