If you’ve ever made a student loan payment or carried a credit card balance into a new month, you already know how interest rates work.
In those cases, it’s the percentage tacked onto your principal debt, or the price you pay later for borrowing money now. Read More
Surely we’ve all been taught that 10% of our income should go into a savings account, but this can be difficult to do when you’re paying off hundreds of dollars every month in student loans. Read More
If you don’t spend a lot of money, you may not see the point of using a credit card. But even for low spenders, credit cards offer a number of benefits: greater security, added perks, and even additional savings on everyday purchases.
The right credit card for your limited budget will reward the purchases you do make or help you avoid costly interest and fees. Read More
Having a budget is a great start. But life will always throw you changes, and with those changes comes the need to revisit—and perhaps reallocate—your budget. Maybe you recently got a raise, moved to a more expensive apartment, or bought a pet. All of these things would require a change in your monthly financial planning. Read More
Whether you plan to travel now or in a year, you should take steps to protect yourself from identity theft and credit card fraud while you’re on vacation. Tourists are often victims of theft, including passport and credit card theft—both of which can compromise personal information. Thieves can gain data by physically taking belongings the old-fashioned way or by hacking into your phone or computer. Read More