Smartphones have replaced lots of other accessories: cameras, flashlights, calculators. But many people are still reluctant to swap the wallets in their pockets for their digital counterparts. A key reason consumers are hesitant to adopt mobile payments like Apple Pay and Android Pay, surveys say, is fear over security: High-profile retailer data breaches have made … Continued

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Do you need that new jacket, or do you just want it really badly? Sure, you could say outerwear is essential for keeping warm in cold climates, but it’s much harder to argue that it needs to be a luxurious leather coat. Some things you need, and some you just want. But just because you … Continued

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Cash can help you survive an emergency, but saving as much as financial planners typically recommend — three to six months’ worth of expenses — can take years. You can build an edible emergency fund a lot quicker. A well-stocked pantry can help you: Survive a natural disaster or extended blackout Get through a stretch … Continued

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