Budgeting & Debt
Make on‑time payments easier.
How much should I save each month?
Aim for ~20% of take‑home pay if possible. Start smaller and automate transfers on payday.
Snowball vs avalanche?
Snowball pays smallest balances first for quick wins; avalanche targets the highest APR to save interest. Pick the one you’ll stick with.
What’s an emergency buffer?
A cash cushion ≈ 1.5× monthly essentials. Build gradually.
How do I avoid fees?
Enable autopay for minimums, set reminders, and ask issuers to move due dates to your payday.
Should I close old cards?
If there’s no annual fee and it’s in good standing, keeping old cards can help average age and total limit.