Since 2009, American consumer spending on holiday gifts and expenses has increased annually. In the early fall of 2021, despite fears of higher prices, empty shelves, and a continuing pandemic, Americans told researchers at the National Federation of Retailers that they planned to spend about $1,000 on gifts, food, and decorations over the holiday season, or […]

Start the new year off on the right foot with a fresh look at your financial goals. Let January 1 be the first day that you put into place a brand-new set of achievable benchmarks to master your money, deal with your debt and improve your credit score.  Successful goal-keepers know that financial independence comes […]

The Holiday Industrial Shopping Complex Annual surveys of more than 1,000-holiday shoppers regularly show that, on average, holiday purchases add as much as $1,381 in debt to individual credit cards in the three months leading up to the arrival of the holiday. This is a sum that most people say they can’t possibly pay down […]