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A Note From Kelly Anne:

Happy new year. If your resolutions this year involve revamping your budget, you might want to think twice before starting a new spreadsheet. Some experts say budgets can cause more harm than good. We explain below.

Best,

Kelly Anne

Deputy Editor

Growth Projects

You Don’t Actually Need A New Budget For 2023. Here’s Why.

New year, new me—or so we all think. Come January, many of us have big hopes for what we want to accomplish in the new year, especially when it comes to our financial goals.

We’ve been hardwired to think that creating a budget is the first place to start when it comes to our financial resolutions. 

Some experts say that budgets are misunderstood as restrictive rules that consumers have to follow—or else.

Others say ditching a budget altogether can be a better way to crush your financial goals. Without feeling restricted with your money, you're less likely to feel guilty when life doesn’t go exactly as planned. You’re also more likely to weather the financial nuances of real life, which often don’t fit into the traditional rules about managing money.

Want to say goodbye to budgeting for good? We share three other ways to help you get your financial foothold in the new year.

Debt Consolidation Loans For
Bad Credit

If you have bad credit and high-interest debts you want to pay off, it’s worth considering your options. Bad credit consolidation loans might work well for certain debts, especially those with sky-high interest rates like payday loans or title loans.

Debt Consolidation Loans

Here’s what else you should know
this week

It’s Not Just Your Parents’ Problem: Younger People Report Identity Theft More Than Any Other Generation

Whether you’re a complacent Millennial whose favorite password is still your dog’s name or a lonely widower who gets catfished by an online romance scam, you might be surprised to learn no age group is immune to identity theft.

Here’s What To Expect From 2023 Travel: Trends And Predictions

Will travel in 2023 be as overwhelming as it was last year? We’ve scoured the data to give you an inside look at the travel trends to expect over the coming year.

History Of Women And Credit Cards: 1970s To Present

Legislative advancements and shifting societal perceptions have led to significant advancements in women’s equality, and in turn, greater access to financial independence.

Debt Consolidation Loan Vs. Balance Transfer Credit Card

A balance transfer card can be a powerful tool in your debt-busting arsenal. A 0% APR offer on a credit card can save money by having all of your payments during the intro period go towards knocking out the principal balance instead of some being siphoned away to pay interest charges.

Best Balance Transfer Credit Cards

2022's Best Debt Consolidation Loans For Bad Credit

A debt consolidation loan can be a smart way to streamline your monthly debt obligations and get out of debt faster. However, this debt reduction strategy isn’t right for everyone. And if you have bad credit, qualifying for a debt consolidation loan with an attractive interest rate could be a challenge.

Minimum credit score

560

APR range

7.46% to 36%

Loan amounts

$1,000 to $50,000

Sponsored Content

Aura vs. LifeLock: 2022 Comparison

Aura is an identity theft protection service rated No. 1 by Security.org for best identity monitoring features¹. The all-in-one platform monitors each user’s identity, accounts and passwords. It then sends an alert if it identifies any issues. Aura’s password manager also makes it easy to keep track of login credentials and users receive an alert if a password is compromised.

Ranked #1 by Security.Org and IdentityProtectionReview.com. They may be compensated as a marketing affiliate of Aura, but their ratings are all their own.

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