Here’s a scary stat: Almost half of us are spending as much — or more — than we earn, according to a 2018 survey from the Center for Financial Services Innovation.
Sometimes that’s due to unanticipated expenses or “volatile” income. But the CFSI notes “stagnant wages and increasing costs of housing, food and health care” are making it harder for consumers to keep up with their bills.
One way around that: Never pay retail.
Make every penny count with these 11 savvy (and simple) tactics. A dollar you don’t spend on needs or wants is a dollar that can be working for you in an emergency fund, retirement savings or a college plan for your kid.