Holiday marketers have your number, and they know how to entice you to spend. You try to rein it in. But two favorite strategies can lead to spending more, according to a 2018 survey by the Center for the New Middle Class, a research organization funded by Elevate, which lends to credit-challenged borrowers. Consumers who … Continued

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If at first you don’t succeed, talk to someone who has. Black Friday is arguably the biggest discount day of the year, but making the most of it requires some practice, planning and strategy. So ahead of Black Friday on Nov. 29, we talked with shoppers and shopping experts to hear their best — and worst — … Continued

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Timing is everything when it comes to saving for the holidays. The longer you have to build up cash reserves, plan your budget and buy gifts at the right price, the better you can cover these seasonal costs without going into debt. Avoiding debt around the holidays can save you from a spending hangover in … Continued

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