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How to Create a Budget: 6 Steps to Get You on the Path to Financial Security

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According to a Gallup survey , only one in three Americans prepares a detailed household budget. And if you’re not a recent grad but someone who just wants to get those dollar signs situated, a budget’s a budget—it doesn’t discriminate, and everyone should have one. That’s a big red flag—you need a budget.

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Avoid Using “Buy Now, Pay Later” By Planning Ahead

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According to a recent NerdWallet survey , 37% of respondents used BNPL services in 2021, and 12% of those borrowers used the service at least five times within the last year. Instead of relying on credit to meet your financial needs, consider doing the following: Make a budget. Know the risks.

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The truth about the environmental paw print of dogs (and cats) — and how to reduce it

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In the US alone, at least 70 percent of households own pets, according to the 2020-2021 APPA National Pet Owners Survey , and many of them are dogs. There are an estimated 77 million individual dogs in America — the highest number since the American Veterinary Medical Association began counting in 1982.

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