personal finance
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Is ‘The Smartest Credit Card Ever Made’ Actually That Smart?
The much hyped X1 credit card, billed as “the smartest credit card ever made” is now finally available to the general public, but is it as innovative as its marketing suggests? Indeed, there are some unique perks, along with a good rewards rate — especially for a no-fee card — although the reward redemption options…
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How Much Money Do You Really Need in Your Emergency Fund?
While most financial experts agree that you should set aside emergency cash totaling three to six months of your expenses, that advice can be pretty broad — especially for such a large sum of money. Here’s a look at the barebones expenses that should be included in your emergency fund, and how to know whether…
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Save Money With a No-Spend Day Challenge
For many people, a no-spend day isn’t an exercise in budgeting during the pandemic — it’s a daily reality. But others splurge in what has been dubbed “spendemic” retail therapy, as evidenced by the recent rise in loans for discretionary items, according to the loan comparison site Credible. If your spending feels overly therapeutic, a…
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How to Talk About Debt as Newlyweds
Some folks may avoid debt because they worry about judgment or starting a fight. But as newlyweds, it’s critical to discuss these topics, even when it’s uncomfortable, because it could impact your finances as a couple. Here are some ways to tackle the subject and craft a payoff plan together. Talk about your values If…