The 15/3 Credit Card Hack Is Nonsense — Here’s What to Do Instead

Sometimes a grain of truth about a financial topic can morph into something that’s just plain misleading. One example is the 15/3 credit card payment trick — or hack — that you might have seen touted on the internet and social media as a secret tactic for improving bad or mediocre credit. The 15/3 hack claims you … Continued

The 15/3 Credit Card Hack Is Nonsense — Here’s What to Do Instead

The 15/3 Credit Card Hack Is Nonsense — Here’s What to Do Instead Sometimes a grain of truth about a financial topic can morph into something that’s just plain misleading. One example is the 15/3 credit card payment trick — or hack — that you might have seen touted on the internet and social media as a … Continued

Why a Cash-Back Credit Card Is a Good Place to Start

As more banks work to improve accessibility to credit cards and introduce cards that base eligibility on factors other than credit scores, there are bound to be more new applicants. If you’re among the consumers new to credit cards, you might be both intrigued and wary. A no-fee, flat-rate cash-back card could be the answer to your concerns. … Continued

10 Money Insights From 25 Years of Financial Writing

The importance of money has less to do with affording the newest iPhone or measuring career success, and far more to do with the core of being human: freedom, ego, stress and relationships. How we use and think about money — not just accumulating lots of it — literally can determine our happiness during the … Continued

3 Ways to Keep Your Distance With Contactless Payments

If you’re looking for a self-improvement task in this pandemic era, try teaching yourself to use contactless payments with your phone or “tap-to-pay” credit and debit cards. Any germaphobe will tell you that the surfaces of bills and coins have always been gross. And handing your credit card to a cashier who has the sniffles and … Continued

Smart Money Moves When Cash Is Tighter Than Time

Lots of people have more time than money nowadays. If you’re one — maybe you’re taking a staycation or you freed up commuting hours by working from home — optimize that extra time by making smart financial moves that won’t cost a dime. “If you have time but no money, it’s time to become the … Continued

Side Hustle Much? You Might Have the Wrong Credit Card

Entrepreneurial types who freelance and side hustle their way through the week likely have access to a tool that could help them thrive: a business credit card. If you drive a rideshare part time, regularly resell on eBay or book paid photography jobs on the side, you may qualify for a business credit card. You … Continued

Stressed to Pick the Best? Try ‘Good Enough’ Money Decisions Instead

Sometimes good enough is good enough. In a world of information overload, it’s common to feel angst when making choices. You never know whether you’re making the best one. Call it optimizer guilt. And it can be especially prominent in choosing financial products, which can be opaque and confusing: Do I have the best credit card? What … Continued

How to Stem ‘Subscription Creep’

From Netflix, Spotify and Amazon Prime to Blue Apron, Birchbox and beer of the month, your debit or credit card statements are likely littered with subscriptions that are costing you dearly. Not that all subscriptions are bad. You might be happy to pay a monthly fee to work out at the gym or type in … Continued

Yes, Money Can Buy (Some) Happiness

If you have a few extra bucks that you don’t need for necessities like rent or loan payments, consider shopping for happiness. From ancient philosophers to current experts in behavioral economics, people have been pondering the link between money and happiness. Among them is author Gretchen Rubin, who thinks about happiness for a living. She’s written … Continued