Many retailers are guilty of enticing customers into purchasing things they weren’t planning on buying in the first place. It is an all too familiar at many check-out lanes to be surrounded with low dollar “impulse” items that the retailer is hoping you’ll add to your purchase while you are waiting in line.

Reduce – Recycle – Reuse

Those three words have become ingrained in my brain. I feel I do a pretty decent job of all three, bringing my own canvas bags to the store and taking a refillable cup to Starbucks when I visit, but recycling isn’t quite as easy when you live in an apartment.

Track, compare, revise, repeat. Track, compare, revise, repeat.

This seems to be my monthly mantra when it comes to budgeting. I think I fair pretty well staying on-track for the most part, but there’s always room for improvement!

Even though there are many types of credit cards out there for consumers with good to excellent credit scores, there are very few option for those with bad credit. If you are looking to repair your credit (or build it) a bank secured credit card could be an excellent choice for you.

I still remember, with a good portion of embarrassment, a conversation with very close friends around our kitchen table. This took place over a decade ago and we were reminiscing about our summer jobs. By that time, we were all highly successful in our respective occupations and hence the conversation was coloured by the romanticism of distance and selective memory.