Our wallets have a tendency to bleed cash. It’s how you put 20 bucks in there, and when it’s gone, you only can remember what roughly three-quarters of those dollars were spent on. Two years ago, I decided to bank that blood from my wallet, changing how I “keep the change.” It paid off bigger …
If New Year’s resolutions were called what they really are – self-improvement chores or promises to do something differently – no one would ever make them. The problem is that most of these promises for personal change never get accomplished. Typically, resolutions are forgotten by the time February rolls around. Self-improvement, however, is an ongoing, …
I changed the way I “keep the change” in 2020, and it paid off bigger and better than expected. At a time when multiple studies show that just four in 10 American adults could cover the cost of a $1,000 emergency room visit or car repair using savings – and with people understanding more than …
For years, consumers and financial advisers have wrestled with the “right” amount to set aside for emergencies. The long-lived rule of thumb on the subject is that three to six months of salary is necessary to have an adequate emergency fund, but few people actually live by that guideline. Not only is that a lot …
