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9 Ways Credit Card Points Programs Quietly Influence Spending Habits

9 Ways Credit Card Points Programs Quietly Influence Spending Habits

Credit card reward points can feel like a smart financial hack, transforming everyday purchases into future flights, hotel stays, or cash back. This powerful allure makes us feel like savvy consumers, beating the system one swipe at a time. However, these loyalty programs are meticulously designed by financial institutions with a deep understanding of human […]

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Beyond Budgeting: 14 Overrated Financial Strategies That Need a Reality Check

Beyond Budgeting: 14 Overrated Financial Strategies That Need a Reality Check

1. Renting is A Waste of Time While home ownership is the American dream, renting often gets a bad rap. However, the reality check is in—renting can offer financial flexibility, lower utility bills, and a landlord’s responsibility for repairs. With mortgage rates above 6.5%, the so-called “American dream” is unattainable for many and renting is

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