Simply calling your credit card issuer and asking them to lower your interest rate may yield immediate savings.

No one anticipates divorce when they're exchanging vows, and it can be devastating emotionally and financially. To ease the financial side of the blow, you need to maintain your financial identity in your relationship. That means having your own credit history - you need your own credit card - and your own savings and retirement accounts.

Credit card interest payments are the dumbest money of all.

Life's irony;Some people use their credit cards to start an enterprise,while others use theirs to accumulate unyielding assets.

I wish the credit card terminal showed "Do you really need to buy this" before I entered my PIN number

By working toward a financial objective, you'll start to see the money add up for retirement or the credit card balance go down. But it doesn't have an immediate impact on your day-to-day life, and when it does - like when you're pinching pennies to save more - the immediate impact could feel negative.