January always feels a little awkward. Holiday decorations are packed away, routines settle back in, and many people feel ready to start fresh. Then the credit card statements arrive. It’s easy to feel like you’ve already fallen behind before the year has even started. This moment isn’t a setback - it’s a starting point. With a solid plan and the right tools, you can build real momentum toward your goals.
The new year marks a time to start fresh and work toward goals that help you better yourself. Whether those goals are financial or not, success often comes down to small changes that compound over time into something significant – not a major overhaul all at once. When you can focus your efforts on consistent acts, you build momentum and the confidence to keep going.
Peer-to-peer (P2P) payment apps have become a routine part of everyday money management. From splitting a dinner bill to paying a babysitter or sending a quick gift, these apps make it easy to move money in just a few taps. But P2P apps aren’t one-size-fits-all financial tools. Understanding where they work well, and where caution is needed, allows you to use them confidently and avoid risk.
December always tends to move faster than we anticipate. Between family gatherings, holiday shopping, school events, and year-end work deadlines, it’s easy for financial tasks to fall to the bottom of the list. But a few small steps now can make a big difference in how smoothly you start the new year. By tying up loose ends and time-sensitive tasks, you’ll head into January with clarity and confidence.
Every year, millions of people welcome January with a renewed sense of purpose. There’s something energizing about a fresh start. But here’s the truth - resolutions are easy to set but can be challenging to maintain. That’s why knowing exactly what to focus on and having a practical plan to follow gives you the best chance of success.
The One Big Beautiful Bill Act (OBBBA) introduces several key tax updates that could affect what you owe over the next few years. Many of these changes aim to help working families, seniors, and everyday taxpayers keep more of their hard-earned money. We’ll break down the major updates in simple terms so you can better understand what they mean for you.
Just as Santa makes a list and checks it twice, having a holiday budget gives you a simple way to stay in control. It’s natural to feel more generous this time of year, but you also want to protect the financial goals you’ve worked hard to build. A little planning now can help you enjoy the season fully without creating stress in the months that follow.
The holiday season is here, and with it comes a wonderful mix of joy, celebration, and time spent with friends and family. But between the excitement and the busy schedules, it's also a time when costs rise quickly - sometimes more quickly than we expect. To help you enjoy the season without the stress, we’ve gathered 12 practical holiday tips.
The holiday season is here, and that means sales, deals, and shopping sprees galore. From Black Friday through Cyber Monday, millions of shoppers head online in search of the perfect gifts at unbeatable prices. But while you’re checking names off your list, cybercriminals are checking theirs too.
Between Black Friday sales, Cyber Monday deals, and those can’t-miss “doorbusters,” it’s easy to get swept up in the thrill of saving. Retailers know how to turn excitement into spending, often leading shoppers to go beyond their budgets. The key is understanding the psychology behind holiday shopping - and using a few smart strategies to stay in control.
