Personal Finance Tips

How to Avoid Consumerism

Consumerism vs Materialism: Are They Both Harmful?

We have access to more consumer goods than any generation that came before us. Some families have multiple cars, frequently dine at restaurants but they don’t seem to be happier than before. Alongside with rising levels of well-being, we see mounting credit card debt and increasing numbers of self-storage facilities to house the things we Read more

What Gas Stations Do Cash Back

Discover the Full List of Gas Stations that Do Cash Back in 2020

It seems like the world is going cashless. Between mobile bank transfers, PayPal, Venmo, and other digital financial apps, no one uses “real” folding money anymore. As for coins, maybe you’ll need a quarter for the parking meter; that is if they don’t have an app already. Yet, cash-only situations still do happen, and there Read more

Delta Sky Lounge Locations

Delta Sky Club Locations in the US: the Complete List of 2020

If you’re like us, you can appreciate the comfort of an airport lounge over waiting at the airport gate. Having access to the Delta Sky Club Lounge always reduces the stress of waiting for your flight. Some of the amenities available at the Delta Sky Club locations include: Free Wi-Fi access and multiple electrical charging Read more

Goal Tracking Apps

Goal Tracking and Habit Forming Apps to Build Your Financial Behavior

Good money habits are learned traits, people are not born with it. This is known as habit formation, and it’s developing a pattern that will become second nature after some time. Habits take time to stick. On average they become normal after 1-2 months. In 2020 we can utilize several habit forming apps to help Read more

Budget Apps

Budget Successfully with These Good Budgeting Apps

One essential habit that you need to adopt to gain financial independence is budgeting. It remains popular because many people use to control their personal finances and spending. If you’ve tried to use a budget before but it didn’t work, don’t give up just yet. Perhaps you need a little help from some good budgeting Read more

Track Credit Card Rewards

Loyalty Program Apps to Track Credit Card Rewards

Loyalty is a powerful gift to both customers and brand companies. The companies grow and retain market share, and repeat customers are rewarded as the relationship is built. For consumers, loyalty may be split among multiple brands, especially when it comes to credit cards. People select credit cards that match their various needs. Many of Read more

Lifestyle Inflation

Lifestyle Creep: What It Is and How to Manage It Effectively

With more money coming in, we’d like to think we’d pay off bills and grow our savings. Yet, the money comes and goes, and we do none of that. So, if the problem isn’t that we don’t have enough money, what is it? It’s called Lifestyle Creep or Lifestyle Inflation. This is often seen in Read more

Immediate Gratification

Instant Gratification: What It Is and How to Avoid It

We live in the age of instant gratification: we receive whatever we want almost instantly. Push a button, scan a phone, tap or swipe a card and it appears. Anything over 2-day shipping is too long to wait. Marketers have capitalized on this, offering immediate delivery to get us to spend money. Happiness in an Read more

Debt Management Tools

Manage Your Debt with These Debt Payoff Apps

It can be difficult to pay off debt. However, we have access to a number of debt management tools designed to handle our finances. Whether the goal is to eliminate debt or set and achieve a financial goal, you can select the app that works best for you and your unique situation. Here’s a selection Read more

How To Save Money At Christmas Gifts

The Smartest Ways to Save Money on Christmas Gifts

It’s almost Christmas, which means it’s time to buy gifts for the ones you love. Unfortunately, many of us overspend when we shop for our loved ones. In 2017, the average American shopper accumulated $1,054 in new debt over the Christmas season. 44% of us incurred $1,000 of holiday debt, while 5% of us bought Read more