Category

Money Management

How to Get Great Credit Again After a Bankruptcy

By Money Management No Comments
[[{“value”:”Image source: Getty Images
I practiced bankruptcy law for a decade and one of the biggest concerns potential new clients had was whether they would be able to get credit again after the bankruptcy was over. I assured them that within a year, two at most, they could have fine credit again. Here is how they did it, and how you can too (and no, it does not require taking out a hardship loan.)Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Start with a secured credit cardA secured credit card is one of the most reliable tools for anyone looking to rebuild credit. These cards work similarly to regular credit cards but require a deposit, usually equal to your credit limit. For example, a $300 deposit would give you a $300 credit limit, so you can use the card to make purchases up to $300. The deposit both protects the lender and also helps you avoid overspending.Need to rebuild your credit — or build it for the first time? Click here for our list of the best secured credit cards.The reason these work to rebuild your credit is that secured credit cards are reported to the major credit bureaus. By making small purchases, ideally paying off the balance every month, and of course paying on time, you will begin to create a new, positive payment history. Within a year or so, you will likely be able to transition to an unsecured card, boosting your scores even further.Take out an auto loanThere are many used car dealers who will be more than happy to work with you to get a car loan after your bankruptcy has been discharged. Moreover, credit unions and auto finance companies will also work with individuals recovering from bankruptcy. So, whether you need a new car or not, this is a very viable option.Is there a catch? Of course! The catch is that the interest rates will be quite high. But if you shop wisely, find an affordable car, and are willing to pay 20% or more in interest, a car and a loan arranged by a dealership can be yours immediately post-bankruptcy.In the alternative, it might behoove you to consider shopping around for an auto loan offered by a personal lender — and make your payments on time.Either way, by making consistent, on-time payments, an auto loan shows that you are capable of managing larger debts responsibly. Additionally, if you begin to create a mix of new credit types — both auto loans and revolving secured card credit — you can really start improving your credit score.Become an authorized user on a trusted accountThis is a cool trick. If a close family member or friend has a solid credit history, see if they would be willing to add you as an “authorized user” on one of their accounts or credit cards. This can be a big game-changer. When you are an authorized user, the primary cardholder’s positive payment history will reflect positively on your credit report. This will definitely improve your credit score, thereby enabling you to get better credit terms on your own.Of course, the key is to keep the account in good standing, avoiding late payments or high balances. Not only would this hurt your credit, but so too would it negatively impact your friend’s credit score, and your relationship.Getting back on your feet financially after bankruptcy is doable, but it requires patience, consistency, and smart decision-making. And while it may take time, remember that every new account and on-time payment brings you closer to a fresh financial start.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: Getty Images

I practiced bankruptcy law for a decade and one of the biggest concerns potential new clients had was whether they would be able to get credit again after the bankruptcy was over. I assured them that within a year, two at most, they could have fine credit again. Here is how they did it, and how you can too (and no, it does not require taking out a hardship loan.)

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Start with a secured credit card

A secured credit card is one of the most reliable tools for anyone looking to rebuild credit. These cards work similarly to regular credit cards but require a deposit, usually equal to your credit limit. For example, a $300 deposit would give you a $300 credit limit, so you can use the card to make purchases up to $300. The deposit both protects the lender and also helps you avoid overspending.

Need to rebuild your credit — or build it for the first time? Click here for our list of the best secured credit cards.

The reason these work to rebuild your credit is that secured credit cards are reported to the major credit bureaus. By making small purchases, ideally paying off the balance every month, and of course paying on time, you will begin to create a new, positive payment history. Within a year or so, you will likely be able to transition to an unsecured card, boosting your scores even further.

Take out an auto loan

There are many used car dealers who will be more than happy to work with you to get a car loan after your bankruptcy has been discharged. Moreover, credit unions and auto finance companies will also work with individuals recovering from bankruptcy. So, whether you need a new car or not, this is a very viable option.

Is there a catch? Of course! The catch is that the interest rates will be quite high. But if you shop wisely, find an affordable car, and are willing to pay 20% or more in interest, a car and a loan arranged by a dealership can be yours immediately post-bankruptcy.

In the alternative, it might behoove you to consider shopping around for an auto loan offered by a personal lender — and make your payments on time.

Either way, by making consistent, on-time payments, an auto loan shows that you are capable of managing larger debts responsibly. Additionally, if you begin to create a mix of new credit types — both auto loans and revolving secured card credit — you can really start improving your credit score.

Become an authorized user on a trusted account

This is a cool trick. If a close family member or friend has a solid credit history, see if they would be willing to add you as an “authorized user” on one of their accounts or credit cards. This can be a big game-changer. When you are an authorized user, the primary cardholder’s positive payment history will reflect positively on your credit report. This will definitely improve your credit score, thereby enabling you to get better credit terms on your own.

Of course, the key is to keep the account in good standing, avoiding late payments or high balances. Not only would this hurt your credit, but so too would it negatively impact your friend’s credit score, and your relationship.

Getting back on your feet financially after bankruptcy is doable, but it requires patience, consistency, and smart decision-making. And while it may take time, remember that every new account and on-time payment brings you closer to a fresh financial start.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

4 Reasons Americans Can’t Stop Living Paycheck to Paycheck

By Money Management No Comments
[[{“value”:”Image source: Getty Images
For years, earning $100,000 per year was seen as the key to getting out of the grind of living paycheck to paycheck. With that kind of income, most of us thought we’d be able to add to our savings accounts and stop worrying about every item we put in our basket at the grocery store.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. However, a survey by PYMNTS revealed that 62% of Americans currently live paycheck to paycheck — and nearly half of those earning more than $100,000 per year still say they live paycheck to paycheck. What is keeping so many people stuck in a financial rut and worried about every dollar in their checking account?Based on the PYMNTS survey, here’s why so many people are still living paycheck to paycheck.1. Not earning enoughAccording to PYMNTS Intelligence data, the No. 1 reason people live paycheck to paycheck is they simply don’t earn enough. And it’s not just lower-income earners who feel that way. While 40% of those earning less than $50,000 per year say they don’t earn enough, 21.4% of people earning more than $200,000 per year also say their earnings aren’t high enough.If you’re earning under $100,000, it might be hard to fathom how someone earning that much can still live paycheck to paycheck. But, living expenses can add up quickly, especially in bigger cities, like San Francisco, where the median home price is $1.4 million and the median rent is $4,271. Add in costs like daycare, which average $29,508 per year, and that $200,000 goes quickly.The data shows that living paycheck to paycheck isn’t just a result of low wages; it’s also a symptom of rising living costs that affect people across income brackets.2. Growing debtAnother cause of living paycheck to paycheck is the rise of consumer debt. According to Experian, the total U.S. consumer debt balance increased to $17.1 trillion in 2023, up 4.4% from 2022. As a collective, U.S. consumers owe another $1.5 trillion on vehicle loans, which are backed by assets that lose value over time, creating a double financial hit for consumers.Credit card interest rates are another heavy burden, reaching 24% or even higher for some cards, depending on your credit score. Even a seemingly manageable balance of $1,000 can spiral into overwhelming debt, as high interest quickly adds up if consumers can only make minimum payments or struggle to pay off the balance each month.The relentless accumulation of interest not only limits monthly spending power; it can also trap consumers in a cycle of debt, making it difficult to break free from living paycheck to paycheck.Want to lower your monthly vehicle-related costs? Check out our list of the most affordable car insurance companies.3. Paying for family membersThe third most common reason people reported living paycheck to paycheck is due to paying for family members. While the study doesn’t clarify if this means parents paying for their minor children, adult children supporting aging parents, or families simply covering costs for an unemployed member, it shows just how interconnected financial stability is within families.When one family member faces financial hardship, others often step in, which can strain even the most carefully managed budgets. This shared responsibility can make it difficult for individuals to save, build emergency funds, or plan for retirement, perpetuating the cycle of living paycheck to paycheck.4. Burned through savingsThe fourth most common cause of living paycheck to paycheck is recently using a significant portion of their savings. This indicates that living paycheck to paycheck is a temporary issue that will subside when savings are replenished. However, relying on savings to cover expenses can be risky, especially if it becomes a recurring habit.Without enough financial cushion, even temporary financial setbacks — like a medical emergency, car repair, or job loss — can throw a household into financial distress. Rebuilding savings takes time and discipline, and for many, it’s difficult to replenish savings when they’re already stretched thin each month.While most people know the importance of having an emergency fund, creating sinking funds for specific expenses, like car repairs or holiday spending, can make budgeting easier and reduce financial strain.Small, consistent steps can help you break freeTo break out of the paycheck-to-paycheck cycle, consider using a budgeting app to track spending. Limit unnecessary spending if possible, but just seeing where your money is going can make it easier to manage your finances.Try to automate savings by redirecting a portion of your paycheck to a high-yield savings account before you even see it. Click here for our picks for the best high-yield savings accounts.These accounts typically earn a higher interest rate than traditional savings accounts. If possible, create buckets in your savings account for expected expenses, like car repair or health insurance premiums, so those expenses are budgeted for before they happen.Taking small, consistent steps — like setting up sinking funds or reviewing monthly expenses — can help you regain control over your finances.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: Getty Images

For years, earning $100,000 per year was seen as the key to getting out of the grind of living paycheck to paycheck. With that kind of income, most of us thought we’d be able to add to our savings accounts and stop worrying about every item we put in our basket at the grocery store.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

However, a survey by PYMNTS revealed that 62% of Americans currently live paycheck to paycheck — and nearly half of those earning more than $100,000 per year still say they live paycheck to paycheck. What is keeping so many people stuck in a financial rut and worried about every dollar in their checking account?

Based on the PYMNTS survey, here’s why so many people are still living paycheck to paycheck.

1. Not earning enough

According to PYMNTS Intelligence data, the No. 1 reason people live paycheck to paycheck is they simply don’t earn enough. And it’s not just lower-income earners who feel that way. While 40% of those earning less than $50,000 per year say they don’t earn enough, 21.4% of people earning more than $200,000 per year also say their earnings aren’t high enough.

If you’re earning under $100,000, it might be hard to fathom how someone earning that much can still live paycheck to paycheck. But, living expenses can add up quickly, especially in bigger cities, like San Francisco, where the median home price is $1.4 million and the median rent is $4,271. Add in costs like daycare, which average $29,508 per year, and that $200,000 goes quickly.

The data shows that living paycheck to paycheck isn’t just a result of low wages; it’s also a symptom of rising living costs that affect people across income brackets.

2. Growing debt

Another cause of living paycheck to paycheck is the rise of consumer debt. According to Experian, the total U.S. consumer debt balance increased to $17.1 trillion in 2023, up 4.4% from 2022. As a collective, U.S. consumers owe another $1.5 trillion on vehicle loans, which are backed by assets that lose value over time, creating a double financial hit for consumers.

Credit card interest rates are another heavy burden, reaching 24% or even higher for some cards, depending on your credit score. Even a seemingly manageable balance of $1,000 can spiral into overwhelming debt, as high interest quickly adds up if consumers can only make minimum payments or struggle to pay off the balance each month.

The relentless accumulation of interest not only limits monthly spending power; it can also trap consumers in a cycle of debt, making it difficult to break free from living paycheck to paycheck.

Want to lower your monthly vehicle-related costs? Check out our list of the most affordable car insurance companies.

3. Paying for family members

The third most common reason people reported living paycheck to paycheck is due to paying for family members. While the study doesn’t clarify if this means parents paying for their minor children, adult children supporting aging parents, or families simply covering costs for an unemployed member, it shows just how interconnected financial stability is within families.

When one family member faces financial hardship, others often step in, which can strain even the most carefully managed budgets. This shared responsibility can make it difficult for individuals to save, build emergency funds, or plan for retirement, perpetuating the cycle of living paycheck to paycheck.

4. Burned through savings

The fourth most common cause of living paycheck to paycheck is recently using a significant portion of their savings. This indicates that living paycheck to paycheck is a temporary issue that will subside when savings are replenished. However, relying on savings to cover expenses can be risky, especially if it becomes a recurring habit.

Without enough financial cushion, even temporary financial setbacks — like a medical emergency, car repair, or job loss — can throw a household into financial distress. Rebuilding savings takes time and discipline, and for many, it’s difficult to replenish savings when they’re already stretched thin each month.

While most people know the importance of having an emergency fund, creating sinking funds for specific expenses, like car repairs or holiday spending, can make budgeting easier and reduce financial strain.

Small, consistent steps can help you break free

To break out of the paycheck-to-paycheck cycle, consider using a budgeting app to track spending. Limit unnecessary spending if possible, but just seeing where your money is going can make it easier to manage your finances.

Try to automate savings by redirecting a portion of your paycheck to a high-yield savings account before you even see it. Click here for our picks for the best high-yield savings accounts.

These accounts typically earn a higher interest rate than traditional savings accounts. If possible, create buckets in your savings account for expected expenses, like car repair or health insurance premiums, so those expenses are budgeted for before they happen.

Taking small, consistent steps — like setting up sinking funds or reviewing monthly expenses — can help you regain control over your finances.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

Here’s How Many Americans Have a Credit Score of 717. How Do You Compare?

By Money Management No Comments
[[{“value”:”Image source: Getty Images
Wondering how your credit score measures up to the national average? The average American FICO® Score is 717. A perfect credit score is 850, which is not easy to achieve. That said, it’s also not necessary for most people.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Understanding what makes up your FICO® Score can help you improve your credit rating. Not only that, but it can also help you make more informed financial decisions and open up better opportunities. For instance, a high score will help you qualify for some excellent credit cards. Check out this list of our favorite options here.Understanding credit scoresCredit scores in the U.S. range from 300 to 850, and are generally categorized from “poor” to “excellent.” Here’s a look at FICO’s breakdown:Excellent: 800 to 850Very Good: 740 to 799Good: 670 to 739Fair: 580 to 669Poor: 579 and belowThere is no doubt that getting yourself into that excellent range is beneficial — top perks include better rates on loans, credit cards, and mortgages. But even so, having a score in the good to very good range can be enough to qualify for competitive borrowing rates. So if you are near the average score of 717, do not fret; you are OK. Plus, there are ways to raise your score if that’s what you want.The fact is, focusing solely on reaching that perfect 850 score is often not worthwhile. Once you’ve got an excellent score, the benefits won’t change much. In any case, it is often difficult to maintain a perfect score. It’s more realistic to keep your score above 800 — or even above 740. A very good score can lead to almost the same rates and benefits as an excellent one.Tips to improve your credit scoreThere are several tried-and-true ways to raise your credit score.1. Keep your credit utilization lowA key component of your credit score is called your “credit utilization”, meaning the percentage of your available credit that you are currently using. If, say, you have $50,000 in available credit and you use $25,000 of that, your credit utilization would be 50%Experts recommend keeping your utilization under 30%. People with the best scores typically use less than 10% of their credit limits. If we take that $50,000 in available credit, it is good to use 30% of it, or $15,000. It’s even better to use 10%, or $5,000. The lower the amount you use, the better your credit score will be.By keeping your balances low relative to your limits, you show lenders you’re managing credit responsibly. It will help if you’re trying to qualify for one of the best cash back credit cards or get great rates on a personal loan.2. Monitor your credit report for accuracyBillions of pieces of credit information are processed onto the credit reports of Americans every year. Given that high number, mistakes are made. It could be that someone with your same name had a bankruptcy and gets included on your report. Or perhaps a bill you paid is not shown as such.As a result, it is a best practice to regularly monitor your credit report for mistakes. If you find any, the Fair Credit Reporting Act (FCRA) allows you to write to the credit reporting agency and demand that the mistake be rectified. Once it is, your credit rating may rise.You can access a free copy of your credit reports from each of the three credit bureaus once weekly at annualcreditreport.com3. Build consistency in paymentsOne of the most important factors in any credit score is your payment history. Paying your bills on time is crucial to maintaining a healthy score. Even a single late payment can significantly impact your score. Pay on time, and ideally, in full.Remember, your credit score is more than just a number; it is a reflection of your financial habits. Creating good payment habits can raise an average score from 717 into the better realms of 740 and above.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: Getty Images

Wondering how your credit score measures up to the national average? The average American FICO® Score is 717. A perfect credit score is 850, which is not easy to achieve. That said, it’s also not necessary for most people.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Understanding what makes up your FICO® Score can help you improve your credit rating. Not only that, but it can also help you make more informed financial decisions and open up better opportunities. For instance, a high score will help you qualify for some excellent credit cards. Check out this list of our favorite options here.

Understanding credit scores

Credit scores in the U.S. range from 300 to 850, and are generally categorized from “poor” to “excellent.” Here’s a look at FICO’s breakdown:

Excellent: 800 to 850Very Good: 740 to 799Good: 670 to 739Fair: 580 to 669Poor: 579 and below

There is no doubt that getting yourself into that excellent range is beneficial — top perks include better rates on loans, credit cards, and mortgages. But even so, having a score in the good to very good range can be enough to qualify for competitive borrowing rates. So if you are near the average score of 717, do not fret; you are OK. Plus, there are ways to raise your score if that’s what you want.

The fact is, focusing solely on reaching that perfect 850 score is often not worthwhile. Once you’ve got an excellent score, the benefits won’t change much. In any case, it is often difficult to maintain a perfect score. It’s more realistic to keep your score above 800 — or even above 740. A very good score can lead to almost the same rates and benefits as an excellent one.

Tips to improve your credit score

There are several tried-and-true ways to raise your credit score.

1. Keep your credit utilization low

A key component of your credit score is called your “credit utilization”, meaning the percentage of your available credit that you are currently using. If, say, you have $50,000 in available credit and you use $25,000 of that, your credit utilization would be 50%

Experts recommend keeping your utilization under 30%. People with the best scores typically use less than 10% of their credit limits. If we take that $50,000 in available credit, it is good to use 30% of it, or $15,000. It’s even better to use 10%, or $5,000. The lower the amount you use, the better your credit score will be.

By keeping your balances low relative to your limits, you show lenders you’re managing credit responsibly. It will help if you’re trying to qualify for one of the best cash back credit cards or get great rates on a personal loan.

2. Monitor your credit report for accuracy

Billions of pieces of credit information are processed onto the credit reports of Americans every year. Given that high number, mistakes are made. It could be that someone with your same name had a bankruptcy and gets included on your report. Or perhaps a bill you paid is not shown as such.

As a result, it is a best practice to regularly monitor your credit report for mistakes. If you find any, the Fair Credit Reporting Act (FCRA) allows you to write to the credit reporting agency and demand that the mistake be rectified. Once it is, your credit rating may rise.

You can access a free copy of your credit reports from each of the three credit bureaus once weekly at annualcreditreport.com

3. Build consistency in payments

One of the most important factors in any credit score is your payment history. Paying your bills on time is crucial to maintaining a healthy score. Even a single late payment can significantly impact your score. Pay on time, and ideally, in full.

Remember, your credit score is more than just a number; it is a reflection of your financial habits. Creating good payment habits can raise an average score from 717 into the better realms of 740 and above.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

These Costco Gift Card Deals Could Save You Up to $25 on Your Next Date Night

By Money Management No Comments
[[{“value”:”Image source: Getty Images
Spending time with your sweetie can be beneficial for your relationship. While it can be fun to hang out together at home, a day date or a lovely evening away can also be a great way to bond.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!Did you know your Costco membership could unlock date night discounts? The warehouse club retailer sells discounted gift cards for many popular brands and retailers. These gift card deals can help you have fun as a couple without overspending.These deals can also help you maximize your Costco membership. Here are a few Costco gift card deals that offer savings of up to $25 on your next outing with your honey.1. Two $50 Topgolf gift cards for $79.99 (Save $20)Looking for a date night idea that will get you both moving? Why not spend a night at your local Topgolf golf driving range? Thanks to this gift card deal from Costco, you and your partner can have some affordable, competitive fun together.If you’re a Costco member, you can purchase a pack of two $50 Topgolf gift cards for $79.99 — a savings of $20. You’ll get $100 to spend on gameplay, lessons, food and drinks, and merchandise. This gift card is accepted at all Topgolf locations in the U.S.2. Four $25 Domino’s gift cards for $74.99 (Save $25)Who said you have to go out to have fun? Movie nights at home can also be romantic. Why not treat your sweetie to a movie and pizza night at home? Costco sells discounted Domino’s gift cards. You can purchase a four-pack of $25 Domino’s gift cards for $74.99.These gift cards can be used to purchase any menu item at over 6,000 Domino’s locations nationwide. With this deal, you’ll get $100 to spend at Domino’s. That means you can enjoy multiple pizza dates with your favorite person. I can’t think of anything better.Want to maximize your savings? Use a rewards card card to pay for your next Costco haul. Click here to review our curated list of top credit cards that offer big rewards at Costco and start making your membership pay for itself.3. Two $50 Landry’s restaurant gift cards: $79.99 (Save $20)If you prefer to dine out with your honey, here’s another discounted gift card that you can get with your Costco membership. The warehouse club sells a pack of two $50 Landry’s restaurant gift cards for $79.99. You’ll get $100 to redeem at over 400 participating restaurants under the Landry’s brand. That’s a savings of $20 on a delicious dinner together.Participating restaurants include Mitchell’s Fish Market, Chart House, Landry’s Seafood House, Del Frisco, and Rainforest Cafe. It’s worth noting that not all Landry’s restaurants accept gift cards. Before buying this gift card, you should verify eligibility with local restaurants.4. $50 Cinemark Theatres gift card: $39.99 (Save $10)Going to see the latest flick at the movie theater can be expensive. But there are ways to make this entertaining date more affordable. One way is to see a matinee showing. Planning an afternoon outing instead of a weekend evening date can offer significant savings. Many movie theaters price matinee shows more affordably.This gift card deal from Costco can also help you save. You can buy an electronic $50 Cinemark Theatres gift card for $39.99. That’s a savings of $10 on your next movie showing. This gift card is accepted at all Cinemark Theatres locations nationwide and can be used to pay for movie tickets, food, drinks, and merchandise. A trip to the movies doesn’t have to be costly.Don’t drain your wallet on your next date nightPrioritizing quality time together as a couple is a must. No matter what you decide to do for your next romantic outing, remember that it’s possible to create memorable moments while honoring your budget. These Costco gift card deals prove that you and your lover can have fun together without spending more than you can afford.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: Getty Images

Spending time with your sweetie can be beneficial for your relationship. While it can be fun to hang out together at home, a day date or a lovely evening away can also be a great way to bond.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

Did you know your Costco membership could unlock date night discounts? The warehouse club retailer sells discounted gift cards for many popular brands and retailers. These gift card deals can help you have fun as a couple without overspending.

These deals can also help you maximize your Costco membership. Here are a few Costco gift card deals that offer savings of up to $25 on your next outing with your honey.

1. Two $50 Topgolf gift cards for $79.99 (Save $20)

Looking for a date night idea that will get you both moving? Why not spend a night at your local Topgolf golf driving range? Thanks to this gift card deal from Costco, you and your partner can have some affordable, competitive fun together.

If you’re a Costco member, you can purchase a pack of two $50 Topgolf gift cards for $79.99 — a savings of $20. You’ll get $100 to spend on gameplay, lessons, food and drinks, and merchandise. This gift card is accepted at all Topgolf locations in the U.S.

2. Four $25 Domino’s gift cards for $74.99 (Save $25)

Who said you have to go out to have fun? Movie nights at home can also be romantic. Why not treat your sweetie to a movie and pizza night at home? Costco sells discounted Domino’s gift cards. You can purchase a four-pack of $25 Domino’s gift cards for $74.99.

These gift cards can be used to purchase any menu item at over 6,000 Domino’s locations nationwide. With this deal, you’ll get $100 to spend at Domino’s. That means you can enjoy multiple pizza dates with your favorite person. I can’t think of anything better.

Want to maximize your savings? Use a rewards card card to pay for your next Costco haul. Click here to review our curated list of top credit cards that offer big rewards at Costco and start making your membership pay for itself.

3. Two $50 Landry’s restaurant gift cards: $79.99 (Save $20)

If you prefer to dine out with your honey, here’s another discounted gift card that you can get with your Costco membership. The warehouse club sells a pack of two $50 Landry’s restaurant gift cards for $79.99. You’ll get $100 to redeem at over 400 participating restaurants under the Landry’s brand. That’s a savings of $20 on a delicious dinner together.

Participating restaurants include Mitchell’s Fish Market, Chart House, Landry’s Seafood House, Del Frisco, and Rainforest Cafe. It’s worth noting that not all Landry’s restaurants accept gift cards. Before buying this gift card, you should verify eligibility with local restaurants.

4. $50 Cinemark Theatres gift card: $39.99 (Save $10)

Going to see the latest flick at the movie theater can be expensive. But there are ways to make this entertaining date more affordable. One way is to see a matinee showing. Planning an afternoon outing instead of a weekend evening date can offer significant savings. Many movie theaters price matinee shows more affordably.

This gift card deal from Costco can also help you save. You can buy an electronic $50 Cinemark Theatres gift card for $39.99. That’s a savings of $10 on your next movie showing. This gift card is accepted at all Cinemark Theatres locations nationwide and can be used to pay for movie tickets, food, drinks, and merchandise. A trip to the movies doesn’t have to be costly.

Don’t drain your wallet on your next date night

Prioritizing quality time together as a couple is a must. No matter what you decide to do for your next romantic outing, remember that it’s possible to create memorable moments while honoring your budget. These Costco gift card deals prove that you and your lover can have fun together without spending more than you can afford.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

These Are the 10 Most Popular Grocery Stores in America

By Money Management No Comments
[[{“value”:”Image source: The Motley Fool/Unsplash
You probably have your go-to grocery store, but there might be others in your town you’ve never given much of a chance. Shopping in multiple places is a little less convenient, but it can also give you access to unique items you wouldn’t find in your regular store. You might even save a little money you can use to pad your savings account.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. If you’re not sure which other stores are worth checking out, start with this list of the most popular grocery stores according to YouGov.1. 7-Eleven7-Eleven topped the list, and while many understandably view it as more of a convenience store, it’s still a solid option if you’re hoping to pick up grab-and-go foods or drinks in a hurry. The store has locations nationwide and they’re open 24/7 so they’re a great option if you need a late-night snack.2. Trader Joe’sTrader Joe’s is an excellent choice if you’re looking for unique, high-quality products. You might not be able to find the exact products or brands you’re used to seeing in traditional grocery store chains. But it also means there’s always something new to try.3. AldiAldi is another grocery store chain that offers unique products you won’t see in many other places. It’s also known for its affordable prices. That said, it has some quirks to be aware of. The store’s emphasis on sustainability means you’ll need to bring your own shopping bags. And you may not be able to count on finding the exact product you’re looking for every time as its inventory tends to change more often than some larger chains’.4. KrogerAs the nation’s largest grocer, Kroger is a great choice for your everyday shopping. It’s got a wide variety of fresh produce and other household staples. Plus, it offers a free loyalty program that can connect you with digital coupons to help you save even more on its already reasonable prices.5. Whole Foods MarketWhole Foods is popular among those who prioritize fresh, organic ingredients and sustainability. As you might have guessed, this doesn’t always come cheap. However, shopping its weekly sales and buying its 365 store brand over other name brands can help you keep costs down.6. SafewayLocated primarily in the western U.S., Safeway is another great option for general-purpose grocery shopping. Customers can save even more by signing up for Safeway for U, a free rewards program that can earn you points to put toward future grocery and Safeway gas purchases.7. Circle KCircle K is another chain that falls more under the heading of a convenience store, so it might not be your best option if you’re looking to gather ingredients for your Thanksgiving dinner, for example. But if you just need a quick snack and some gas while you’re out running errands, it’s worth a stop.8. PublixPublix is known for its fresh produce and all-around great value. Store-brand items are pretty high-quality compared to other retailers, and the stores themselves are generally well-organized and well-kept. 9. Amazon FreshAmazon Fresh is the go-to option for most looking to shop from the comfort of their own home. All you have to do is order what you want and it’ll come straight to your door. You can even set up recurring deliveries for frequently used items. You don’t need a Prime membership, though it could increase your savings.10. Winn-DixieWinn-Dixie operates primarily in the southeastern U.S. Like many others on the list, it offers a good variety of fresh products designed to suit all tastes. It also has a free rewards program that gives you access to exclusive savings and rewards as well as a free item on your birthday.Save even more with the right rewards credit cardUsing grocery rewards programs like the ones mentioned above and shopping sales are great ways to save. But you can take your savings to the next level by adding a grocery rewards card to your wallet. The best part about these cards is they usually offer bonus rewards at all grocery retailers, so you aren’t limited to a specific chain. Compare a few and consider applying if you see an opportunity to save yourself a little extra cash.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon. The Motley Fool recommends Kroger. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: The Motley Fool/Unsplash

You probably have your go-to grocery store, but there might be others in your town you’ve never given much of a chance. Shopping in multiple places is a little less convenient, but it can also give you access to unique items you wouldn’t find in your regular store. You might even save a little money you can use to pad your savings account.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

If you’re not sure which other stores are worth checking out, start with this list of the most popular grocery stores according to YouGov.

1. 7-Eleven

7-Eleven topped the list, and while many understandably view it as more of a convenience store, it’s still a solid option if you’re hoping to pick up grab-and-go foods or drinks in a hurry. The store has locations nationwide and they’re open 24/7 so they’re a great option if you need a late-night snack.

2. Trader Joe’s

Trader Joe’s is an excellent choice if you’re looking for unique, high-quality products. You might not be able to find the exact products or brands you’re used to seeing in traditional grocery store chains. But it also means there’s always something new to try.

3. Aldi

Aldi is another grocery store chain that offers unique products you won’t see in many other places. It’s also known for its affordable prices. That said, it has some quirks to be aware of. The store’s emphasis on sustainability means you’ll need to bring your own shopping bags. And you may not be able to count on finding the exact product you’re looking for every time as its inventory tends to change more often than some larger chains’.

4. Kroger

As the nation’s largest grocer, Kroger is a great choice for your everyday shopping. It’s got a wide variety of fresh produce and other household staples. Plus, it offers a free loyalty program that can connect you with digital coupons to help you save even more on its already reasonable prices.

5. Whole Foods Market

Whole Foods is popular among those who prioritize fresh, organic ingredients and sustainability. As you might have guessed, this doesn’t always come cheap. However, shopping its weekly sales and buying its 365 store brand over other name brands can help you keep costs down.

6. Safeway

Located primarily in the western U.S., Safeway is another great option for general-purpose grocery shopping. Customers can save even more by signing up for Safeway for U, a free rewards program that can earn you points to put toward future grocery and Safeway gas purchases.

7. Circle K

Circle K is another chain that falls more under the heading of a convenience store, so it might not be your best option if you’re looking to gather ingredients for your Thanksgiving dinner, for example. But if you just need a quick snack and some gas while you’re out running errands, it’s worth a stop.

8. Publix

Publix is known for its fresh produce and all-around great value. Store-brand items are pretty high-quality compared to other retailers, and the stores themselves are generally well-organized and well-kept.

9. Amazon Fresh

Amazon Fresh is the go-to option for most looking to shop from the comfort of their own home. All you have to do is order what you want and it’ll come straight to your door. You can even set up recurring deliveries for frequently used items. You don’t need a Prime membership, though it could increase your savings.

10. Winn-Dixie

Winn-Dixie operates primarily in the southeastern U.S. Like many others on the list, it offers a good variety of fresh products designed to suit all tastes. It also has a free rewards program that gives you access to exclusive savings and rewards as well as a free item on your birthday.

Save even more with the right rewards credit card

Using grocery rewards programs like the ones mentioned above and shopping sales are great ways to save. But you can take your savings to the next level by adding a grocery rewards card to your wallet. The best part about these cards is they usually offer bonus rewards at all grocery retailers, so you aren’t limited to a specific chain. Compare a few and consider applying if you see an opportunity to save yourself a little extra cash.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon. The Motley Fool recommends Kroger. The Motley Fool has a disclosure policy.

“}]] Read More 

Here’s How Much the Average American Is Expected to Spend This Holiday Season

By Money Management No Comments
[[{“value”:”Image source: Getty Images
The official start to the holiday shopping season is just weeks away, and some early birds have already begun making purchases. Even if you haven’t yet, you probably already have some idea of who you need to buy for and how much you’re comfortable spending.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. The average American is poised to spend more than ever this year, according to a recent PwC survey. But there’s also a substantial minority hoping to keep costs down. With the right strategies, you can get what you need without putting too much of a strain on your savings account.Average holiday spending is expected to rise 7% this yearLast year, PwC forecasted that the typical American would spend about $1,530 on holiday purchases. This year, that figure rose 7% to $1,638 per person. Part of this is due to inflation, but it may also reflect an increased desire to splurge among some shoppers.Income is an important factor here. More than one-third of consumers earning more than $65,000 annually said they planned to spend more this year compared to just one-fifth of those earning less than $65,000.Expected spending is also estimated to vary across age groups, as shown below:GenerationAverage Expected Holiday Spending per PersonBaby boomers$1,126Generation X$1,454Millennials$2,222Generation Z$1,752Data source: PwC Holiday Outlook 2024.Even if you fall toward the lower end of this spectrum, that’s still a lot of money to spend, especially if you’re living paycheck to paycheck. But you can do a few things to make your holiday spending a little less painful.Get what you need without spending a fortuneThe following tips can help you buy what’s on your list without spending a fortune this holiday season.Be discerningThink carefully about how much you can afford to spend and who you need to buy for. Eliminate any unnecessary purchases. Avoid buying things for yourself as well. You may receive money or gift cards you can use to buy yourself a present, possibly on clearance, after the holidays are over.Use the right credit cardsCarrying a balance on a credit card generally isn’t advisable, but it’s not as bad if you choose a card with a 0% introductory APR period. Purchases you make during this time won’t accrue interest immediately, so you have a little more breathing room when paying back what you owe. Compare some of our favorite 0% introductory APR cards to save yourself a fortune in credit card interest this holiday season.If you have rewards credit cards, you can also redeem the points you’ve earned throughout the year for gift cards. You can either give these as gifts directly or use them to purchase your holiday gifts.Shop salesBlack Friday is the biggest holiday shopping sale, but it’s not the only one. Make a list of what you’d like to buy and which retailers have it. Then, sign up for those retailers’ mailing lists so you’re alerted to upcoming sales. You might even get coupons you wouldn’t otherwise have found that way.Use price comparison appsPrice comparison apps like Google Shopping or Camelcamelcamel can help you find the cheapest retailers and track an item’s price over time. This can help you know when you’re actually getting a good deal vs. when a retailer is using marketing tactics to make you think you are.Consider DIY giftsIf you have an artistic talent, consider making holiday gifts instead of buying some. Or if you’re a great baker, for example, you can whip up some special holiday treats. You’ll still have to spend a little money on the cost of materials, but chances are, it’ll probably be less than what you’d pay to buy an item like that in a store.As the holiday shopping season continues, track how much you spend and compare that to your initial estimates. You may need to adjust along the way. But taking advantage of the above tips should help you keep your costs lower.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Image source: Getty Images

The official start to the holiday shopping season is just weeks away, and some early birds have already begun making purchases. Even if you haven’t yet, you probably already have some idea of who you need to buy for and how much you’re comfortable spending.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

The average American is poised to spend more than ever this year, according to a recent PwC survey. But there’s also a substantial minority hoping to keep costs down. With the right strategies, you can get what you need without putting too much of a strain on your savings account.

Average holiday spending is expected to rise 7% this year

Last year, PwC forecasted that the typical American would spend about $1,530 on holiday purchases. This year, that figure rose 7% to $1,638 per person. Part of this is due to inflation, but it may also reflect an increased desire to splurge among some shoppers.

Income is an important factor here. More than one-third of consumers earning more than $65,000 annually said they planned to spend more this year compared to just one-fifth of those earning less than $65,000.

Expected spending is also estimated to vary across age groups, as shown below:

GenerationAverage Expected Holiday Spending per PersonBaby boomers$1,126Generation X$1,454Millennials$2,222Generation Z$1,752
Data source: PwC Holiday Outlook 2024.

Even if you fall toward the lower end of this spectrum, that’s still a lot of money to spend, especially if you’re living paycheck to paycheck. But you can do a few things to make your holiday spending a little less painful.

Get what you need without spending a fortune

The following tips can help you buy what’s on your list without spending a fortune this holiday season.

Be discerning

Think carefully about how much you can afford to spend and who you need to buy for. Eliminate any unnecessary purchases. Avoid buying things for yourself as well. You may receive money or gift cards you can use to buy yourself a present, possibly on clearance, after the holidays are over.

Use the right credit cards

Carrying a balance on a credit card generally isn’t advisable, but it’s not as bad if you choose a card with a 0% introductory APR period. Purchases you make during this time won’t accrue interest immediately, so you have a little more breathing room when paying back what you owe. Compare some of our favorite 0% introductory APR cards to save yourself a fortune in credit card interest this holiday season.

If you have rewards credit cards, you can also redeem the points you’ve earned throughout the year for gift cards. You can either give these as gifts directly or use them to purchase your holiday gifts.

Shop sales

Black Friday is the biggest holiday shopping sale, but it’s not the only one. Make a list of what you’d like to buy and which retailers have it. Then, sign up for those retailers’ mailing lists so you’re alerted to upcoming sales. You might even get coupons you wouldn’t otherwise have found that way.

Use price comparison apps

Price comparison apps like Google Shopping or Camelcamelcamel can help you find the cheapest retailers and track an item’s price over time. This can help you know when you’re actually getting a good deal vs. when a retailer is using marketing tactics to make you think you are.

Consider DIY gifts

If you have an artistic talent, consider making holiday gifts instead of buying some. Or if you’re a great baker, for example, you can whip up some special holiday treats. You’ll still have to spend a little money on the cost of materials, but chances are, it’ll probably be less than what you’d pay to buy an item like that in a store.

As the holiday shopping season continues, track how much you spend and compare that to your initial estimates. You may need to adjust along the way. But taking advantage of the above tips should help you keep your costs lower.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet. The Motley Fool has a disclosure policy.

“}]] Read More