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Buy Now, Pay Later: The Cost of Convenience

“Buy Now, Pay Later" (BNPL) services have become increasingly popular, offering a tempting alternative to credit cards. A 2022 report from the Consumer Financial Protection Bureau found that from 2019 to 2021, the number of BNPL loans originated in the…

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An Easy Plan for a Car Repair Bill

The average car repair bill costs around $550—an amount that would have many Americans reaching for their credit card. A survey from Morning Consult found that 35% of Americans would need to go into debt to pay for an unexpected expense…

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Budget for Winter Holidays in July

Pondering Christmas in July is a good idea if it gets you saving. The average American spent about $1,000 on winter holiday-related expenses in 2022, according to the National Retail Federation (NRF). Despite the significant outlay, many consumers forget to…

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Can your credit limit decrease?

Can Your Credit Limit Decrease?  

Have you ever had your credit card denied only to find out that your credit limit had been lowered? According to the Fair Credit Reporting Act, the credit card issuer can lower your limit at any time, and they are…

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Four Year-End Tips for IRA Owners

As 2022 comes to an end, here's advice that can save you money, help you avoid penalties, and ensure that your IRA (individual retirement account) proceeds are distributed as you wish. Convert your traditional IRA to a Roth IRA.  If…

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Protect Yourself from Peer-To-Peer Mobile Payment App Fraud

Peer-to-Peer (P2P) mobile payment services, such as Venmo, PayPal, Zelle and Cash Apps, have become increasingly popular because of their convenience. It’s fast and easy to transfer and receive money from your linked bank account, debit card or credit card…

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Watch your Money Grow with a Share Certificate

Do you have some extra savings? A share certificate is an option you may want to consider. This is a great way for your existing money to grow into more money for you! A Share Certificate is offered by credit…

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