We spend a lot of money. All things told, we spend about $101 per day, whether we feel it directly or not. (1) That comes out to roughly $36,764 per year. Over half of all Americans spend more than what they earn. (2) The bulk of that goes to important categories like shelter and utilities. (3) But it doesn’t take much digging to find some less important spending patterns. Here’s a quick look at what we’re spending (i.e., wasting) our money on! Food How can you waste money on

Starting a business is never easy. The U.S. Bureau of Labor Statistics reports that 65% of businesses fail within 10 years. (1) Only 25% make it past 15 years. (2) Those odds aren’t great. It would take a full-time effort and a huge arsenal of resources to even consider starting a business, right? But you might be surprised how easy it is to get started, even if you have a full-time commitment like school. Here are a few ideas to get you situated on the path toward entreprene

Interest rates are on the rise, which might not be great news if you carry revolving debt. But savings accounts and certificates of deposit (CDs) might start looking more attractive as places to put your money. Currently, both savings accounts and CDs might be good options, so which is better? In large part, whether a savings account or a CD is the better tool for saving depends on your savings goal. Access to funds Savings accounts offer more flexibility than CDs if you need