How Interest Rate Changes Impact Mortgages, Credit Cards, and Loans
Welcome to American Pockets! Understanding how the financial world ticks can feel complex, but it doesn’t have to be. One of the most important factors affecting our personal finances is the movement of interest rates. You might hear about the “Fed” raising or lowering rates on the news, and wonder, “What does this actually mean […]
7 Questions to Ask Yourself Before Every Purchase
Many of us have spent decades making purchasing decisions, from everyday groceries to significant investments like homes and cars. We’ve learned a lot about value, budgeting, and the difference between a fleeting want and a genuine need. Yet, even with all that experience, it’s easy to get caught up in the moment or be swayed […]
How I Cut My Grocery Bill in Half Without Clipping Coupons
It still feels a little unreal to say it, but I did it. I actually managed to slash my grocery spending by half, and the most surprising part? I didn’t clip a single coupon. For years, the idea of meticulously cutting out tiny squares of paper, organizing them, and remembering to use them at the […]
Why I Don’t Buy Trendy Clothes Anymore—and What I Wear Instead
There was a time when my weeks revolved, in part, around the siren song of new arrivals. Emails from my favorite fast-fashion stores would ping into my inbox, showcasing the latest “must-have” item, and I’d feel an almost Pavlovian urge to click, browse, and often, buy. My closet was a testament to this cycle: a […]
How to Use Loyalty Programs Without Falling for Marketing Tricks
Welcome! Many of us enjoy finding ways to make our money go further. Loyalty programs, offered by countless stores, restaurants, and services, promise rewards and savings. And often, they deliver real value. However, they are also clever marketing tools designed to encourage us to shop more frequently and spend more money. It’s a bit of […]
How to Choose the Best Cashback App for Your Shopping Habits
Welcome! We all love saving money, and in today’s digital world, there are some wonderful tools to help us do just that. One popular way to get a little extra back from your everyday purchases is by using cashback apps. If you’ve heard about these shopping apps but aren’t sure where to start, or how […]
