Be Smarter About Your Money With These Tips

Are you frustrated because your finances feel? This is commonly felt, and it can be alleviated if you follow good advice. Here we will assist you in taking care of your financial concerns.

Stop buying certain brands and buy whatever you have a coupon for. For instance, if you typically buy Tide detergent but have a coupon for three dollars off of Gain detergent, go with Gain and save the green.

Credit Score

If your spouse has a great credit score, then see who has the better credit and use that to apply for loans. If you currently have a bad credit rating, build it back up with a new credit card account that you use and pay off each month. When you get back to having a credit score that is good, it will be possible to get two loans so the debt is distributed.

The interest that you will have to pay using multiple cards will end up being smaller than paying off a maxed out credit card.

Take advantage of online alerts that your bank can offer you. Many banks can email or text you when there is activity reported on your account.

Be sure that utility charges in a timely fashion each and every month. Paying bills late can damage your credit rating. You will also probably get hit with late charges, that will cost more money. Paying your bills in a timely manner will help you gain control over your money wisely and avoid costly fees and complications.

Card Balance

Your FICO score is affected greatly by your credit card balance. A higher card balance translates to a worse score. Your score will go up as you pay off debt. Try keeping the balance below 20% or less than the maximum credit allowed.

Give yourself a monetary allowance so that you don’t overspend. The cash can be used for treats like coffee with friends, meals out, or new shoes, but when it’s gone, that’s it. This lets you treat yourself and not blow your budget.

No one is perfect when it comes to personal finances. This trick can only be used by someone who keep a steady balance and avoid overdrafts.

The way to accumulate wealth is to make more money than what’s coming in. Calculate your total earnings, and design a budget that spends less than your total take-home pay.

Use a brand from the store instead of buying brand-name products. A lot of the brand name price tag stems from the cost to advertise and market those products. There is often no change in quality or its quality.

Speak with friends about how you’re doing financially. This will help you feel a little better about not going out with them. If you are not firm with others, your friends may think it’s something they’ve done. Keep your close relationships strong by letting friends and be sure to let them know about your life.

Real Estate

Not every debt you have is a bad debt.Real estate can be considered a good debt for example. Real estate is an investment that historically will appreciate in the long term, and in the short term, they increase in value over time and the loan interest is tax deductible. Another example of good debt is college expenses. Student loans have lower interest rates are are not repaid back until students have moved past graduation.

Avoiding debt wherever possible is a simple and powerful guideline for good personal finances under control. A loan is necessary when buying cars and homes.You shouldn’t rely on using credit cards to get you by day to day.

Have you ever considered signing up for a credit card with a rewards plan? Rewards programs are best for people who pay off their balance in full each month. Rewards cards offer incentives like cash back, airline miles, and save on other expenses as well. Look for cards that offer appealing rewards and see what works best one for rewards.

Try working from your house if you want to save money. You have to pay for things like parking, parking and gas.

It’s never too late to put your personal finances.

Add a few foreign intrigue to your investments.

You will find it easier to follow your budget limits.

College Education

A college education goes a long way for your personal finances. People with degrees have nearly twice the earning potential of those who lack education beyond high school. A college education is a great investment that doubles your wealth over the course of your lifetime and adult working years.

Keep a credit score high. Having good credit score will help you obtain low interest rates on your credit cards. Use your credit proficiently to protect your credit scores high.

Paying off your bills early helps you to come up with a budget each month.

Thrift Stores

Thrift stores are not for the poor like many people believe. There is an abundance of quality items available at thrift stores, books, and clothing at any area thrift store. Try to shop early so that you find the best selection.

It can be a good idea to create an emergency fund while paying off your debts, especially if your card balance is high because of a financial emergency.

Save a ton of money by cutting your hair! While you may not be able to recreate an elaborate style, the money you save will be worth the small reduction in quality.

Thursday before you get paid, set aside some money and decide that this will be your budget for the weekend. This is a good idea since it will prevent you avoid foolish or impulsive spending on the weekend.

As was already noted, managing your finances can be difficult. With a willingness to change and a little self-control, getting your financial house in order is not an impossible dream. Pay attention to the tips as a whole to gain financial freedom.

Help Your Money Plan With These Personal Finance Tips

Now is the best time to tackle your financial situation. This article is filled with useful tips to help you some great ideas for better financial management. You don’t have to be a fancy education to learn good financial management skills. Even a few small ideas can help.

Don’t waste your time and money on get rich quick schemes. This is something that many Internet marketers often fall victim to. Learn as much as you can, earning it through hard work and patience.

You should invest your profits as necessary in order to build your business.Set a standard for what you keep and what profits go into capital.

When you are investing in the Forex market it is important to watch the trends. Don’t sell on either an upswing or downswing.

Try listing your expenditures on a large whiteboard set up in your office or den. You will glance at it often so that you need to do.

Buying your lean protein in various bulk amounts can help you to save a lot of time and money. Bulk purchases are excellent if you plan to use all of what you bought. A lot of time can be saved by cooking everything in one day which will leave you with food for the rest of the week.

Credit Score

It may be possible that your credit score will go down while working to fix your credit. This is not an indicator that you have caused more damage to it. Your credit score will rise as you continue to add quality information.

If you cannot pay a debt and have collection agencies contacting you, your debt will expire after some time if not repaid. Ask a financial expert to find out when your debt expires and do not make a payment to a collection agencies that attempt to collect an old debt.

A lot of credit card companies give rewards or free air fare. Many frequent flier programs allow you to redeem miles in exchange for reduced rate motel stays.

A sale is not a bargain if you buy more than you need.

An emergency savings account is a personal finance must for those unexpected issues that can arise. You can also save for specific goals, or a relaxing vacation.

If you want to have a credit card but are younger than 21, you need to realize that the rules changed. It used to be easy for college-age students to get a credit cards were freely given to college students.Always research the requirements before you sign up.

Flexible Spending

You should use a flexible spending account to your employer. Flexible spending accounts can help you save money on medical expenses and daycare expenses. These accounts allow you put a certain amount of pretax dollars aside to pay for such expenses. However, as there are tricks to using this type of account, so you should consider speaking with an accountant or tax specialist.

Avoid fees by using the ATM of your own bank’s ATMs. Financial institutions often levy hefty per-transaction and monthly fees for using the ATM of other banks, and those can build up fast.

Think carefully about what your feelings are towards money. This will help you feel more comfortable in your monetary decisions.

Try to save a small portion of money each day. Instead of purchasing items from the grocery each week, compare prices at several stores before making a decision. Be willing to switch to food that’s on sale.

Do not think you are actually saving money by not doing the necessary maintenance on your house or home. By making sure that everything is in working order through maintenance checks, you minimize the risk of having to make a major repair down the road.

If you can do a home improvement project by yourself, you shouldn’t hire a professional.

Try to clear your debts and don’t get in any new debt. It is easy, but the effort is well worth it.

You should go over your portfolio once a year. Re-balancing your portfolio annually will align the mix of your investments in line with your situation.Rebalancing your portfolio also helps you in your attempts to buying low and selling high

Be careful! Learning personal finance techniques can be addictive. Try out some of the tips you are about to read. You will surely find out more about saving money. Adopt new habits and look for more ways to reduce your expenses, and place your money in good investments.

Simple Things That You Can Do To Organize Your Personal Finances

Personal finances can cause stress and stressful. This article will give you how to get a grip on your personal finances effectively.

Do thorough background research on any broker you cannot trust.Check a broker’s references and listen to what they say to judge their honesty. Your experience is also a shoddy broker.

If you’re getting good money from a certain stock, just let it be for a period. You can watch your stocks that are underperforming and think about moving some of those around.

The restaurants in your hotel and in the area surrounding it are going to be overpriced, that is why it is good to research on places on where locals eat. You can actually find quaint restaurants with lower prices and tastes better.

With the recent downturns in the economy, putting savings into varied sources makes good sense. Put some money into a standard savings account, more in a checking space, invest some in equities, and then put more into higher-interest arenas and even gold. Use these ideas to keep your money is safe.

Try listing your expenditures on a large whiteboard in your office or den. You will glance at it every day and be reminded of what you can keep the message fresh in your mind.

Buying your lean protein in various bulk amounts can help you to save a lot of time and money. Buying in larger quantities is almost always cheaper than the smaller counterparts. A lot of time will be saved by cooking everything in one day which will leave you with food for the rest of meals all at once.

Credit Score

Use two to four credit cards to enjoy a satisfactory credit score. Using only one card means it will take a long time to build a good credit score, while using over four cards can represent a lack of being able to manage finances effectively.

The two biggest purchases you make are likely to be your household is the purchase of a home and car. The principal and interest amounts for both of these are large. Pay them off quicker by including extra payments each year or using your tax refunds to pay down the balance.

Eating out less can save you money and promote better personal finances. You will save money if you just stay in and eat at home.

A number of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. Many hotels will take frequent flier programs allow you to redeem miles in exchange for reduced rate motel stays.

Credit Card

Credit cards can be a wonderful replacement for items. If you get approved for a credit card, stick to using it on essential items, like food and gas. Most often, you’ll get rewards or cash back when you use a credit card to purchase these items.

Try making your own Christmas gifts instead of buying them.You will spend less and you will save hundreds of money during the holidays by reducing spending at department stores.

You can learn a lot about how to manage your personal finances with someone who has experience in the financial industry. If one does not know anyone they feel would be helpful in this field, close friends are also a good choice to turn to.

You can sell old laptop if you’re trying to earn a little extra money every week.

Try to work from home if you really want to save a lot of money. Between parking, parking and buying meals, you are going to end up spending half of your check before you even receive it.

New laws have to spend a minimum transaction amount on credit card purchases.

You can always put your personal finances just because you have neglected the subject before.

Younger people looking to stay on top of their finances should look into the advantages of compounding interest.

Credit Score

A credit score of at least 740 or more will make your mortgage application process a mortgage. Having a score in this range will net you get good interest rates. Improve you credit score before applying for a loan if possible. Don’t try to get a new mortgage with bad credit unless it’s absolutely unavoidable.

Using different checking accounts can help you to itemize your finances. You can use a single account that all of your bills will come out of and one that your spending money goes into. This will enable you to track your income, and you’ll be able to cover your expenses.

It is possible to have old information that is damaging to the overall score.

Do not open a new line of credit card accounts or take out loans unless you have no other options. Even though it is sometimes necessary to do these things, it is better to be out of debt and save for the big things everyone needs later in life. Some things you might need to take out loans on are things like a car or a house.

The two products’ lists of ingredients tend to be almost identical. Do not be afraid to try these foods, they can help you save a good amount of money.

If you already work full time, consider finding other ways to earn more money. Adding any extra money each week can help tremendously.

Cell Phones

Cut off your cell phone if you need to save extra money.This may be an unpopular suggestion, but people don’t realize that cell phones are a relatively new invention, there was no such thing as a cell phone. Cell phones really offer convenience not a necessity.

As mentioned above, facing the reality of your finances can be a stressful thing to do. You can relieve a bit of that stress by learning what you can do to improve your personal finances. This article will help to ease your stress as you move forward to handle your financial concerns.

Learn About Personal Finances And How To Manage Them

There is no time to get your personal finances. This article will give you some quick tips for better financial management. You should not have to waste money on expensive finance classes to start improving your financial management skills. Even a few small ideas can help.

Do not waste money on anything that assures you of more money overnight. A lot of aspiring online marketers get deceived by this trap.Learn how to make money the old fashioned way, but taking action is more important that spending all your money on books and courses; taking action is the only way you will actually make a profit.

When trading in the Forex market watch the trends.Don’t ever sell when there’s an upswing or a downswing or an upswing ever.

Credit Score

Your credit score may drop as you first start working on it. This does not mean that you’ve done something wrong. Your credit score will rise as you continue to add quality information.

Protect your finances by ensuring you have the proper medical insurance policy for you.Everyone will get sick at some point. This makes it vital that you have a good health insurance. Hospital bills can climb as high as twenty thousand dollars or more than 20K for a few days!This can wipe out your finances and leave you financially if you don’t have health insurance.

If married, use this to your advantage. If you currently have a bad credit rating, you should try to build the credit back up using a credit card with a small limit you can pay off every month.Once you both have a good credit score, you can than apply for loans together and share the debt evenly among the two of you.

Eating less can save a ton of money over the course of a year. You will save money if you just stay in and eat at home.

Make savings your first priority with each time you are paid.

Find a checking account that offers free checking.

Take advantage of automated online banking alert services offered by your institution. Many banks will send emails or text you when certain key events occur.

Think carefully about what your feelings are towards money. This will help you move on from the past and start your monetary decisions.

New laws allow merchants to set minimum purchase limit for use of credit card usage.

This will let you save some money down the long run.

Younger people looking to stay out in front of their finances would do well to discover the wonders of compound interest.

Make sure you are keeping at least one day in each month to pay bills. While you will not actually devote the full 24 hours to paying your bills, it is still a good idea to dedicate at least one day to it. Mark it on your monthly calendar and do it religiously. Missing this day can cause a bad domino effect.

This means you have to take the time to see exactly where all your income and expenses. When attempting to calculate your expenses, always overestimate them instead of underestimate them, and then if you find you have extra cash at week’s end, you can add it to savings.

Your emergency fund should contain three months worth of income in it at all times. Take 10 percent of your income and put it in a savings account.

You will gain confidence in yourself when you start learning how to control your financial situation. Use the tips laid out here. You will almost certainly save a great deal of money, and greatly improve your financial health. Once you’ve learned how far a little saving can take you, you’ll want to do all you can to learn about saving more.

Make Better Money Decisions With Our Personal Finance Advice

When you are beginning the process of straightening out your finances, you will find that you tend to blow your money on food and entertainment much faster without even realizing it.

Avoid getting into further debt for the best personal finances. While education and a mortgage are two worthwhile reasons to go into debt, try to stay away from things like credit cards. You will lose less money to interest and fees if you borrow less money.

It may be possible that your credit score while you are trying to repair your credit. This is not an indicator that anything you have done anything wrong. Your credit score will rise as you continue to add quality information.

You will probably have lower interest payments than one maxed out card.

Stop charging the credit card if you cannot afford. Pay off your monthly balance before making future purchases with the card.

College Tuition

You should get a savings account to save money in case of emergencies. You should also put money away for long term spending goals like college tuition, then use the money to save for college tuition or pay off a credit card balance.

If you are new to financial independence, but are under 21, understand that rules have changed lately. It used to be easy for college-age students to get a credit cards were freely given to college students.Research a card’s requirements before you apply.

You can find coupons and discount offers online that you may not be available in your local newspaper.

If math is not your thing, you can use high-tech options online. There are websites and software to make tasks such as budgeting, monitor income, calculating interest, and even plan out your budget and savings for the month.

If your funds are often short paycheck to paycheck, you should find out if your credit union or bank offers overdraft protection. This fee can save you from a lot of money on overdraft fees in the long run.

Try to save a small portion of money each day. Instead of overpaying for groceries every single week, try to buy things that are on sale, shop around and find the best deals. Be willing to substitute food that is currently on sale.

Real Estate

Not all debt you have is a bad one. Real estate can be considered a good debts. Real estate is good because, and in the short term, the interest is deductible. Another example of good debt would be a college expenses. Student loans have easy to manage interest rates are are not repaid back until the students have completed their schooling.

Watch for letters that will highlight changes in your credit accounts. The law requires creditors must give you a 45 days before the changes go in affect. Read the disclosure of changes and assess if the changes make it worth you keeping the account. If you decide that they are no longer worth it, pay the balance and close it.

Do not think you are saving money by not doing maintenance on your vehicle or car. By keeping these personal assets in good condition with the proper upkeep, you are preventing future problems.

Make sure that you keep track money to follow expenses.

If you are trying to improve yourself financially, you can save money and improve your finances. You can easily spend more than that on two pizzas with a couple of fast food burgers and some soda.

This helps you save some big money over time.

Get your finances back on track by making a budget you can stick to. Regardless of whether you budget via software or paper and pencil, creating and sticking to a budget can help you to identify your financial strengths and weaknesses.It can also keep you accountable for your spending.

Using more than one checking accounts can help you with your finances.You can have an account that all of your bills will come out of and another for variable expenses. This helps keep track of your money, and ensure that you always have enough cash to cover basic bills.

A little bit of knowledge and education can increase your finances. People with degrees often earn exponentially more than those who lack education beyond high school. A post-secondary education is the only investment that doubles your wealth over the course of your working years.

Paying your bills early will help you gain an understanding of expenses and for saving.

The ingredients are often identical.Do not be scared to eat these things, they can save you a lot of money in the long run.

Review your monthly bank statement every month.This helps you to know if any of the fees or rates have gone up. Many people choose to overlook their statements and end up paying significantly more money in fees than necessary. This is why it’s important to look over each statement.

Save a ton of money by cutting your family’s hair yourself.While you might not be as good as a professional, you could still save hundreds of dollars.

You can save money when purchasing bedding at a discount store.This can end up saving you a bunch of money over time and they will be the same quality. You can greatly improve your finances with just a bit of research.

Get rid of the debt on your credit cards as soon as possible. Even a little debt results in unnecessary interest charges.That is money which should be in your pocket! Pay your credit card accounts every month if at all possible.

If you develop and use a budget, you can avoid getting into debt. The advice you have read here will keep you afloat so you can avoid being overwhelmed with debt.

Personal Finance Tricks That Will Transform Your Budget

This article is created to help you get through a financial situation.

Try listing how much you spend on a whiteboard in your office or bedroom instead. You will glance at it often so it stays in your mind.

Keep a small envelope in your person. Use it to preserve any receipts and business cards. You might need them to compare to your credit card statements in case a double charge or other error shows up.

Don’t be fooled by claims that an organization can guarantee you a clean credit report. A lot of companies exaggerate their capability in repairing your history. This isn’t accurate since there is no similarity to how your credit score is affected to how another person with credit issues. To guarantee success would be a lie and they are most likely committing fraud.

Be sure to remember to file your income taxes. If you owe the IRS money, file just before the due date which is April 15.

Use two to four credit cards to gain a good credit rating. Using only one card means it will take a long time to build a good credit score, while using over four cards can represent a lack of being able to manage finances effectively.

If you have a spouse who has a better credit record than you, make sure the partner with the better credit applies for loans. If you are suffering from a bad credit rating, take the time to build it with a credit card that you pay off regularly. When you and your spouse both have high credit, you can start to apply for joint loans and share the debt with your spouse.

To be financially stable, you should open up a savings account and put money in it regularly. Having enough savings on hand means you won’t have to use your credit cards or take out a loan in an emergency is key to financial stability. Even if it’s impossible to make a significant contribution each time, save as much as you can.

A number of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. Many frequent flier programs allow you to redeem miles in exchange for free or low-cost rooms.

You can’t repair your credit before you get out of debt. You can do things like eating at home and limiting yourself from going out on entertainment.

Being in control of your finances will change the subject from one of frustration to one of enjoyment. The road to knowledge isn’t easy, but hopefully the tips in this article have given you a firm foundation with which to start.

Having Trouble With Your Finances? Here Is Some Advice.

If you keep track of your money, consider beginning to track your finances today.This article contains useful information that can help you better manage your finances.

When trading in the Forex market watch the trends.Don’t sell on either an upswing or downswing.

Restaurants in busy tourist areas tend to be the highest priced, so look into where the locals go out to eat. You can find food that is cheaper and great tasting local cuisine.

Buying your lean protein in bulk will allow you save a lot of time and money. Buying product in bulk is usually much cheaper when you actually use everything you purchase. A lot of time will be saved by cooking a week’s worth of the week.

You will probably have lower interest on two payments than one maxed out card.

Get a checking account.

Credit cards can be a wonderful replacement for items. If you get approved for a credit card, use it to buy everyday items, like food and gas. Most of the time, and it could be in the form of cash back.

The easiest way to keep your finances on track is to avoid consumer debt like the use of credit cards to begin with. Think about how long you will end up paying it off. You should stay away from any credit card charge that’s not imperative and can’t be paid off within 30 days.

Your car is a very important purchase that you have to make during your lifetime. You can sometimes find great deals on classified ads sites.

One way to find success in Forex is by allowing your profits run. Use this tactic in moderation so that greed does not interfere. Once you make a profit on a certain trade, make sure you cash in at least a percentage of it.

If you take charge of where your money is going, pay attention to your cash flow. Keep track of all your income and expenses to assess your property is doing after every billing cycle. Make sure that you establish a solid budget in mind and stick to it.

No one is perfect when it comes to their personal finance. This trick can only be used by someone who has kept positive balances and avoid overdrafts.

Avoid ATM fees by only using the ATM of your bank. Financial institutions like banks often charge high transaction fees when people use other ATMs, and those can build up fast.

If you find the task of balancing your checkbook manually to be too much trouble, let your computer do it for you. There are many software packages and Internet resources to help you track spending, monitor income, calculating interest, and even plan out your budget and savings for the month.

Always pay attention to your credit report shows.You can look at your report absolutely free!

Find and target areas where you are spending a lot of money.Any extra money left can go towards paying off debts or put into savings.

Try working from your house if you really want to save a lot of money. Between gas, buying meals and gas, you could end up spending most of your check even before you get it.

Contribute to your Individual Retirement Account if you are eligible to do so. This is a way of saving for the future.

You may not be satisfied with your job and your income at this point, but some money coming in is better than none.

Make sure you are keeping at least one day in each month for paying off your bills. You may not be cutting down all your bills on bill day, but paying off debts does need its own day. Make a note of it on your calender and make sure that you stick to it. Missing this day can cause a bad domino effect.

Add a few foreign stocks to your investments.

When thinking about moving somewhere new, keep in mind that your higher salary could reflect a higher cost of living for the area. Find out the prices of houses, food, groceries and all other expenses before you decide to make your move.

You will find it easier to follow your budget limits.

Credit Score

Do everything you can to keep good credit score.Having good credit score will help you obtain low interest rates on loan money or credit cards and loans. Use your credit proficiently to protect your credit scores high.

Paying your bills early will help you gain an understanding of the funds available for other expenditures and keep your budget under control.

It costs too expensive and you can get tap water for free. If the taste is not appetizing, try buying a filter to put on your faucet or adding some flavored mix drink inside the water. These are good ways to make tap water palatable and help you save money.

Learning to deal with your finances at an early age will allow you to make larger investments later in life. After reading this article you should have a better understanding on how you can make better decisions with your money.

Finance: How To Use Your Money Wisely

If you’re hoping to make a big purchase in the future, you will be able to get the bigger purchases that you want. Read this article for useful tips to better manage your personal finance skills.

Always have an envelope on your person.Use this to store all of your receipts and business cards you receive. You might need them to compare against your credit card statements in case a double charge or other error shows up.

Do not believe that credit score by changing your credit history. Many companies will make blanket statements about what they can do for you. This isn’t accurate since what’s affecting your credit score is affected to how another deals with credit issues. To guarantee success would be a fraud and they are most likely committing fraud.

If you or your spouse have less than perfect credit, use this to your advantage. If you are suffering from a bad credit rating, take the time to build it with a credit card that you pay off regularly. Once both of you have good credit scores, you’ll be able to apply for loans together and split your debt equally.

You can’t repair your credit before you get out of debt. You can decrease your monthly expenses by eating in more and limiting yourself from going out on weekends.

Don’t get too many student loans out if you’re not expecting to be able to pay them back. If you are planning on sending your child to a private school, this may put you in debt that will be impossible to overcome.

Take advantage of online alerts that your bank can offer you. Many banks will send emails or texts when certain key events occur.

Try making presents instead of wasting all your money on store bought things. You can save hundreds of money during the holidays by reducing spending at department stores.

Be certain to pay utility bills get paid on time each month. You can hurt your credit rating by paying them late. You may also be charged a late fee, adding to your bill.Paying your bills in a timely manner is the best way to use your finances.

Give yourself a specific allowance for small expenditures every month. The cash can be used for treats like coffee with friends, new music, or new shoes, but once it’s spent, that’s it. This way you to enjoy some fun stuff and not blow your entire budget.

This reduces the likelihood that you will forget to make a late payment. This will help you budget and keep you to stay away from incurring late fees.

Take the time to mull over your relationship with money.This will help you move on from the past some money issues and think about it differently going forward.

Pay close attention to your credit report. There are more than a couple of ways that you can see your report at no cost.

Try to clear your debts and don’t get in any deeper. It’s simple, even though it may not feel like it at first.

Start Saving

You should start saving money for your child’s education as soon as they’re born.College costs a fortune, and if you wait too long to start saving for their college fund, you probably won’t be able to save enough money in time.

New laws allow merchants to set minimum purchase amounts for use of credit card value.

This will let you save some money in the long run.

Young people who are trying to stay ahead of their future finances should discover how compound interest can do.

As you should now see, managing your finances well will provide you the chance to make larger purchases later. After reading this article you should have a better understanding on how you can make better decisions with your money.