“No Buy” July is more than a budgeting challenge. It’s an opportunity to hit pause, reset your financial mindset, and spark long-term change. Even if you missed the July kickoff, it’s never too late to reclaim control of your finances and try your own version this month or next.

Americans are getting serious about saving again. After a wave of post-pandemic splurging, people are now contributing more to their 401(k)s and rebuilding personal savings. The national personal savings rate has nearly doubled from its 2023 low, and Fidelity reports a record-high 401(k) contribution rate of 14.3%. But this time, it’s not about fear. It’s about reclaiming control. Welcome to revenge saving.

Credit scores don’t just depend on your income or access to credit. They also reflect the financial lessons you absorbed growing up. Among low‑income families, kids from areas with stronger repayment cultures tend to do better with credit as adults.

The FHFA’s approval of VantageScore 4.0 for mortgage use marks a major shake-up in credit scoring. After decades of FICO dominance, lenders now have a choice. While industry adoption may be slow, this move cracks open a long-standing monopoly and could transform access to homeownership—especially for those with non-traditional credit histories.

With summer electricity bills projected to hit a record-high $784 this year—and the average annual electric bill forecast to reach $1,902—these low-cost tips could help you save up to $600 this summer and over $400 annually. From smart thermostat settings to smart fan use and insulation upgrades, learn how to lower your cooling costs with realistic savings estimates and actionable advice.

A Reddit user claims they turned $50 into more than $17,000 in one year by churning bank bonuses. While the details might be light, the core idea is real—and I personally earn more than $3,000 most years year doing the same. Here’s how bank bonus churning works and how to get started.

Auto insurance premiums are climbing rapidly nationwide, with rates rising over 35% in just three years. From inflation to advanced vehicle tech, several factors are driving costs higher. This article breaks down why your rates are going up and offers tips on how you can save money on your policy.

If you receive an overpayment notice from the Social Security Administration (SSA), don’t panic—but don’t ignore it either. With new enforcement rules in place, more recipients are getting these notices. Learn what they mean and how to respond quickly and wisely.

Many parents believe that putting their child’s college fund first is the most responsible thing to do—but it’s a costly myth. Prioritizing retirement isn’t selfish; it’s a smart, long-term gift to your kids and your future.

You don’t have to wait until you’re debt-free or earning a high income to start saving or investing. Building a small emergency fund—even just one month of expenses—can protect you from deeper debt and lay the groundwork for long-term financial success.