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financial behavior spending patterns

Financial Behavior Matters: Why We Repeat the Same Spending Patterns

You probably don’t know this, but your financial behavior determines whether you reach your goals or fail miserably. I can take a look at my past spending patterns and identify major mistakes and struggles that were repeated over and over and over again. Why is it that we tend to revert back to our old …

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Credit vs Debit Differences

Credit vs. Debit: Understanding the Differences

People often ask me, “What’s the difference between a debit and credit card?” Simply put, a debit card is a use now, pay now card, while a credit card is a use now, pay later card. These are the main differences, but both can definitely serve their own purpose in different situations. I’ll break down …

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