As the world continues to trend toward cashless transactions, credit cards have become a household necessity. Managing a credit card responsibly is crucial to establishing credit history, which directly impacts your approval and interest rate for future lending, understanding credit cards—and how to use them!—is a must.

Here’s a run-down of all you need to know about credit cards.

How Credit Cards Work

When you use a credit card to pay for a purchase, you’re borrowing money from the financial institution that issues the credit card. You will be approved for a credit limit that you can charge, that is typically based on credit history, credit score, and relationship. Once approved, each month, you will then be sent a bill to repay the money you’ve borrowed on your credit card. 

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With inflation driving up costs on pretty much everything imaginable, monthly budgets have really taken a hit. With higher costs come increased stress as households struggle to rebalance their budgets and reassess what costs are truly necessary each month. And while we all need to stay entertained in our free-time, recreation and entertainment is usually the first item to go when it comes to cutting costs. However, there are plenty of ways to trim your entertainment budget that don’t include fully cutting it out!

Below, we’ve listed eight of our favorite ways to save on entertainment costs and get your budget back on track.

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Everyone loves payday, but too many people struggle with allocating their paycheck in a way that best serves their financial needs. If you’re looking for a little extra guidance in utilizing your income effectively, we’ve compiled a list of tips below that will help you do just that!

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Each January, millions of people select their New Year’s resolutions, such as spending less, paying down debt, and focusing on physical health. Now that we’re in March, many of those same goals may be moving to the back-burner. Without the glitz and glam of New Year’s in the rearview mirror, you may be wondering how to stick to your financial goals this Spring.

In order to build financial habits that last, it’s important to create an effective foundation. Below, we’ve compiled a list of tips that can help you keep those resolutions, while creating health savings and credit habits that will last a lifetime.

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