Are you spending too much? For many Americans, the answer is, "Absolutely." The reasons are varied—lack of a budget or a desire to maintain appearances—but, to better manage your spending, many financial advisers recommend tracking your cash flow and monitoring your emotional state.
Read MoreSome people believe it’s safer to use a debit card as credit since they don’t have to enter their PIN. If you cover the keypad during the debit transaction and keep your card in your wallet when not in use, a debit transaction is as safe as a credit transaction.
Read MoreA healthy savings account is your best defense against life’s curve balls. But sometimes setting aside some money every paycheck isn’t enough—particularly when you’re just starting out in life.
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