Organic

Unless you are somehow capable of ignoring all advertising, you’ve certainly heard of those “buy now, pay later” offers. Traditionally, they were made for big ticket items like furniture, TVs, or appliances. Now they are being offered on even more items, including basic clothing. Online retailers are using the phrase “digital layaway,” where they send […]

Recently, a good friend asked me for some advice on how to handle an unexpected and expensive car repair. She had enough cash savings to pay for the repair. However, it would pretty much wipe out her recently created emergency fund. My friend was asking if it made sense to put it on her credit […]

Setting up a monthly budget for you and your household is one of the first steps of smart financial management. However, it’s also something many of us struggle with. We know it’s important but seeing exactly how our money is being spent each month can be an uncomfortable experience. Better to just spend less than […]

Who doesn’t love the idea of paying off thier mortgage earlier and paying less in interest. However, are these bi-weekly mortgage payments really all they’re cracked up to be? Here’s what you need to know if you too are thinking of changing to a biweekly mortgage plan. Don’t Pay to Play If you look at […]