If you shop online, you’ve seen a “Buy Now, Pay Later” offer everywhere from Amazon to Walmart. The idea is simple: buy a big-ticket item and split the payments up over time. Even retail stores are getting into the act. #BNPL is interest-free, and it can be a good way to get something you really need in hand quickly. Where it’s a problem, though, is if you use it too much or for things you don’t really need and fall behind on the payments. Interest rates as high as 40% can kick in, along with some huge late-payment fees. Use BNPL if you need to, but use it wisely and make sure the payments are part of your monthly budget.
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One of the best things about being a homeowner is doing a great job on your own home improvement and repair projects. But, while there is so much you can do on your own, just remember not to take on more than you can handle. Here are a few tips that can help you identify what to take on and what to leave to the pros.
The Paycheck Protection Program, or PPP, has been a lifesaver for many small businesses; however, scammers have followed right along. The scams come in three basic forms. Read more about these scams and learn how to protect yourself and your business from these scams.
International Data Privacy Day, on Jan. 28, is a worldwide initiative to promote awareness of the importance of privacy online as well as protecting personal information. It also is an effort to remind companies that safeguarding consumers’ privacy is a good business practice.
Building savings can feel like a lofty goal. And, if you’re not sure where to start, it can be easy to put it off. These 5 easy steps to start saving will set you on your way to reaching your goals in no time.
Love the holidays but hate the Santa sticker shock that follows? No need to spend your way into debt this Christmas. Here are 12 homemade gift ideas from across the cyber-verse to get you started.
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