It takes extra effort around the holidays to stay within a budget. We tend to spend more when we're tired and stressed, and holidays can add tasks and expectations to our already busy lives. In addition, everywhere we turn are spectacular sales, deals, and wish lists full of gifts and gadgets to...

I had a few conversations with a friend who decided to add a loved one to his credit card as an authorized user. Over the years, we had many discussions about some of the challenges he faced building his credit history as an immigrant with a thin credit file. He had been a joint account holder in...

Travel is the spice of life!  Travel is an opportunity to see and do things differently from our daily lives, connect with family and friends, and re-energize ourselves. Whether you choose to out of the county, across the country, or around the world, thinking about ways to decrease costs can...