Financial Advices

Sep 24, 2026

Bill Payment Strategies for Procrastinators

From car notes to credit cards, monthly bills can be pretty overwhelming – and unfortunately, curling up in a fetal position and hoping our bills disappear doesn’t work too well. It can be a daunting task to sort out your monthly bills… and even more terrifying to pay them. This is likely why so many of us put off paying…

20% Back In Points When You Shop Apparel

Update 9/22/26: Back again until 9/30/2026. Update 4/9/26: Deal is back at this link. Hat tip to reader RM Update 11/25/25: Reposting as it does stack with PayPal pay in 4 and other purchases at Target (non apparel) seem to be triggering the offer as well making it significantly better. The Offer PayPal is offering 20% back in points when…

Are You Carrying Too Much Debt?

Do you toss and turn at night worrying about your debt? If so, you’re not alone! From student loans to high credit card balances, carrying too much debt is common in America, which runs on credit. According to a recent Experian consumer debt study, outstanding consumer debt in this country reached nearly $17 trillion. While credit is a great convenience,…

X Money Review – 6% APY/$300 Bonus & 3% Back On Debit Card Purchases [3% Exclusion List Expanded]

Update 9/22/26: Looks like the exclusion list for the 3% on debit card purchases has been expanded. Following have been added: Utilities Wholesale Clubs Jewelry Stores, Watches, Clocks, and Silverware Stores Insurance Underwriting, Premiums Colleges, Universities When no MCC is present transactions Current list here. Wayback August archive here. X Money has finally launched to all Premium & Premium+ X.com…

Guidelines For Spending On Your Mortgage

So, you’ve decided to take the leap and buy a home. Congratulations! But have you given some thought to what kind of mortgage you can afford? Think about the price of the home as well as the monthly payment you’ll pay to own that home. Banks take your ability to pay the monthly payment into consideration when deciding whether or…

Citi Updates Eligibility On Citi Strata Cards (Once Per Life, Was 48 Months)

Citi has changed the eligibility language on the Citi Strata cards. They used to say (emphasis ours): This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou® Points are not available if you received a new account bonus for…

How Credit Cards Become Debt Traps

It’s estimated that some 60 million American households regularly carry outstanding credit card balances. According to a WalletHub study, the average household’s credit card balance is $8,425. We know what this means: Carrying a balance (meaning you don’t pay off your total amount due every month) incurs interest (meaning you’re actually paying more than you owe on your card). But…

[CO] Credit Union of the Rockies $300 Checking Bonus

Offer at a glance Maximum bonus amount: $300 Availability: Must live or work in one of the following counties: Clear Creek County Eagle County Gilpin County Grand County Jefferson County Summit County Direct deposit required: Yes, $500+ per month Additional requirements: 5 debit card transactions and keep account open for 90 days Hard/soft pull: Unknown ChexSystems: Unknown Credit card funding: Unknown Monthly fees: None Early account termination…

Stay Secure: Mastering Cyber Safety in a Digital World

Whether you’re using your devices for work or just for fun, making sure everything stays secure is more important than ever. It doesn’t take much for cyber-criminals to try and take advantage of us, especially in this digital age. With technology intertwining so deeply with our lives, having a good grasp on cybersecurity is essential. As we browse the internet…