In personal finance, there are two key tenets to building wealth: spending less and earning more. In theory these concepts may seem rudimentary but in reality they can be complex things to maneuver. If they were easy, many of us would be in a better position financially and there would be less problems related to … Read more

The idea of retiring early and living on a beach somewhere sounds like a dream to many people. And for most, it may be a harder-to-reach goal than they realized. According to the Employee Benefit Research Institute, 57% of workers have less than $25,000 saved up for retirement when they estimate that they’ll need $500,000. … Read more

For a lot of families, credit cards have become critical for managing expenses and sorting out finances. If you’re a parent juggling the costs of food, school, soccer practice, and many more activities, a credit card is perfect to stretch out your budget and make it work. However, with so many credit cards out there, … Read more

The Upgrade Select Visa may be a good option if you’re looking for a credit card that won’t nickel and dime you to death in fees or interest. In this Upgrade Select Visa review, I’ll help you understand how this credit card/personal loan works and how it can help improve your credit when used correctly. … Read more

April 15th may well possibly be the most dreaded day in America. It is otherwise known as Tax Day. Many of us often go into a mad scramble the weeks or even days leading up to April 15th, trying to collect tax documents and getting all our questions answered. It’s a vicious cycle that seems … Read more

You may be pretty confident that you’re good at saving money. But did you know you might be throwing money away and not even know it? Even if you think you’re living a frugal lifestyle, there are many things we all do everyday that are both a waste of time and money. We can always improve … Read more

PenFed Credit Union offers many great credit cards, and anyone can become a member of the credit union. This PenFed Gold Visa® credit card review helps you determine if this basic credit card is right for you or if another option is better. PenFed Gold Visa® Credit Card Highlights No annual fee 0% APR on … Read more

If you’re looking for a cash-back credit card, this PenFed Power Cash Rewards Visa Signature Card review can help you determine if the card is right for you. PenFed Power Cash Rewards Visa Signature® Card: Highlights No annual fee 2% cash back for Honors Advantage members and 1.5% back for everyone else $100 bonus offer … Read more

Finding the right rewards credit card can feel like a tough task. This PenFed Pathfinder® Rewards Visa Signature® Card review will help you understand how the card works to determine if it’s right for you. PenFed Pathfinder® Rewards Visa Signature® Card Highlights $95 annual fee unless you’re an Honors Advantage Member 0% APR only on … Read more

Imagine getting home from a day of running errands and realizing that you’ve spent money you didn’t intend to. If your unexpected purchase is no more expensive than an occasional pack of gum or a latte, then no harm no foul. But if you are regularly falling victim to money rationalization — where you talk … Read more