How Not To Bust Your Holiday Budget

The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting overloaded with catalogs from shops you haven’t bought anything from in years, if ever. If … Continued

Holiday Spending is Getting Smarter, But You Can Be Smarter

The average American will spend nearly $900 on holiday presents this year. If you have two adults in your household, that’s almost $1,800.  The odds are good that you’ve already spent a good chunk of that on Black Friday, Small Business Saturday, and Cyber Monday specials.  In looking at the sales numbers from the weekend, … Continued

Auto Loans: Credit Unions Vs. Banks

Need a car but can’t pay cash? You have three choices: Borrow from the dealer or manufacturer’s financing company, borrow from a bank, or borrow from a credit union (unless Uncle Bob is willing to finance you, but who wants the “strings” that go along with that?). Each method has advantages and disadvantages – but … Continued

APR Explained: Why A Lower Rate Is Your Highest Priority

The most annoying part of credit card debt is the monthly statement. It’s a dense plate of word salad served with a heaping dose of guilt dressing. The only part of it that’s easy to understand is the “payment due” – and that’s just the way credit card companies like it! Credit card companies have … Continued

Is Now The Perfect Time To Buy A New Car?

Americans have a definite love affair with driving – and there’s nothing like falling fuel prices to speed our heartbeats. As prices at the pump go down, if you’re like everyone else, your thoughts may be turning toward buying a new vehicle or planning that next road trip or family vacation.With gas prices at their … Continued