5 Strategies for Navigating Today’s Digital Tipping Culture

The nearly universal experience of finding yourself face-to-face with a checkout counter screen asking you to select an amount to tip for service can prompt a cascade of awkward questions: How much should you tip on a $5 coffee if anything? How can you decide before the cup has even been poured? Is it rude to select “no tip,” then … Continue reading


Commuter Snapshot: Most Workers Hit the Roads as Costs Increase

People who drive to work day in and day out have likely grown weary of hearing about the growth (and then partial reversal) of working from home. The rising costs of their commute no doubt add insult to injury. The share of people working from home increased dramatically in 2020 and remains higher now than before the pandemic. But the … Continue reading


Head Into Shopping Season Ready to Manage Spending and Debt

Retailers once again have begun their bid for consumers’ attention with big sales early in fall. A longer holiday shopping season lets you spread out expenses, but it also could lead to overspending. Danetha Doe, founder of financial education company Money & Mimosas, said in an email, “It’s easy to go into unplanned debt during this time because many of … Continue reading


Don’t Let Your Credit Scores Retire

Getting rid of debt before retirement is often a good idea. Getting rid of your credit scores? Not so much. People who stop using credit also stop generating enough data to produce credit scores, the three-digit numbers used to gauge creditworthiness. Not having scores can make it harder and more expensive to get loans. Even if you’re sure you’ll never … Continue reading


How to Stay Safe From Financial Scams

One of the biggest mistakes you can make when it comes to protecting yourself from financial scams is thinking you’re too smart to be duped by one. “We’re all vulnerable — we can all fall for a scam given the right set of circumstances,” says Eva Velasquez, president and CEO of the Identity Theft Resource Center, a nonprofit organization that … Continue reading


What to Consider Before Budgeting With the Cash-Stuffing Method

When Giovanna “Gigi” Gonzalez wanted to cut back on her food spending, the finance expert and money coach applied what is known as the “cash-stuffing” method of budgeting. She put the cash she allotted to food for the week into an envelope and limited her spending to that amount. “I could see when I had just 20 bucks left for … Continue reading


Student Debt Canceled for 804K Longtime Borrowers

If you’ve been paying your federal student loans for 20 years or more, you’re about to see your remaining balance erased. The Department of Education announced Friday that it will forgive $39 billion in student loan debt for 804,000 borrowers who qualify for relief. That number could grow as the process unfolds. It’s part of a one-time account adjustment to address past … Continue reading


Creative Ways to Cut Your Energy Costs This Summer

Blasting the air conditioning to counteract stifling heat can provide much-needed relief this summer, but the utility bills that follow might not be as pleasant. According to the Bureau of Labor Statistics, the price of electricity has been steadily climbing over the past two years. “Most U.S. households will continue to pay high costs for energy throughout the summer because … Continue reading


Supreme Court Strikes Down Student Debt Cancellation. Now What?

The Supreme Court has blocked President Joe Biden’s student loan debt relief plan, saying his administration lacked authorization under the HEROES Act to forgive up to $20,000 in student debt per borrower. Some 43 million borrowers won’t see a cent of the debt cancellation promised by the White House last year. Under current guidance from the Education Department, borrowers must … Continue reading



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