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One of the hardest challenges managing your financial life is figuring out how best to juggle multiple goals. And one of the most vexing decisions is what to do if you have credit card debt and you have money sitting in your emergency savings fund.

That special day is finally around the corner. Graduating is a thrilling experience and is filled with excitement and joy. Some students are fortunate enough to graduate without student debt compared to the students that have to focus on paying back their loans.

‘Tis the season for shopping and we all know what that means: over the river and through the woods to the shopping mall we go. The holiday season brings extraordinary levels of profit for big businesses, especially for the retail industry.

In 2008, credit card delinquency rates in the United States hit a four-year high, according to Equifax, a credit card analysis firm. In times of economic softness, people are often tempted to use their credit cards to see them through. Here we go over some of the major advantages and drawbacks of credit cards and show you how to use yours wisely.

As it gets closer to the Holiday season, it is common to begin feeling financial pressure. We all know what it feels like to pull out the winter clothes, deciding if we really need to buy a new pair of mittens, while the looming hole in the index finger is getting bigger by the day. With all the holiday celebrations and the expenses that come with them, it’s easy to understand why so many of us are having trouble sleeping at night.