It’s always smart to control your spending. If you are careful with your spending, you can have more money to pay essential bills or to add to a savings account you can tap in an emergency. Take a serious look at your spending. As a first step, think about creating a spending plan, commonly known as a budget. Make a list of your monthly expenses divided into two groups: your “needs” and your “wants.” The needs are necessary expenses such as your housing, utilities, clothes, food and transportation. The "wants" are optional purchases. Read more>>

If you’ve ever applied for a credit card, a personal loan, or insurance, there’s a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and more. Credit reporting companies use the information to evaluate your applications for credit, insurance, employment, or a lease. Having a good credit report means it will be easier for you to get loans and lower interest rates. Read more >>

A new car is second only to a home as the most expensive purchase many people make. That’s why it’s important to know how to make a smart deal. Think about what car model and options you want and how much you’re willing to spend. Do some research. You’ll be less likely to feel pressured into making a quick or expensive decision at the showroom or car lot and you will be more likely to get a better deal. Read more >>