When you use a credit card, all your purchases are organized into spending categories. These labels help your bank, budgeting tools and credit card rewards program understand where your money is going, accurately apply fees, help you earn rewards or be protected from fraud.  What are Merchant Category Codes? Every time you make a purchase, […]

When it feels like you’re constantly broke, it might be easy to label yourself as “bad with money.” But is that belief itself true, and how has that assumption changed the way your financial future looks?  Here’s the thing: Feeling stuck or scattered doesn’t mean you’re incapable. It means you’ve been juggling more than your […]

Does the high of payday dissipate almost immediately? If you’re feeling broke again just a few days later, you’re not alone. Many people experience what feels like a constant loop: Payday comes, relief hits and then money disappears faster than expected. There’s a reason this cycle keeps happening — but there’s a way to escape […]

When money is tight, it can feel like there is no wiggle room: You have to do everything right just to stay afloat. But what most people don’t see are the hidden costs that come with barely keeping up. These costs don’t always show up on a receipt, but they drain your time, energy, and […]