According to the June 2017 data from the Federal Reserve, Americans have $1.021 trillion in outstanding revolving credit. The national average APR on new credit cards offers is now 16.13%—an all-time high. 

Most people don't look at interest rates when signing up for a credit card....

Getting out of debt can be an uphill battle. Sometimes you take two steps forward and then take three steps back. It's no wonder you can experience burnout. The journey is hard, but the reward is so worth it! Here are some ways that will help you avoid burnout. 

1. Fight resistance.

• Do the...

That sounds great! We never want a vacation to end. But in this case, if you go into debt for the vacation, it becomes never-ending because you end up paying for it long after you get back home. While vacations can cost a pretty penny, especially depending on your destination, they can still be...

Nothing says holiday cheer like high interest credit card debt. Put the plastic away and pay cash! Christmas and the holidays happen the same time every year. They are not emergencies. Do NOT use your emergency fund, retirement savings, or debt for holiday expenses!

According to the American...

Stressing over your energy bills? You're probably not the only one. This summer has been a sizzler and energy costs are on the rise. Your home should be an escape from the heat, not an extension of it. So how does one keep cool and keep the cost down? Do yourself and the environment a favor...

Medical debt is the number one cause of personal bankruptcy in the U.S., a report from NerdWallet found. Another report from the Kauffman Family Foundation found that more than a quarter of Americans say that someone in their household is struggling to pay medical debt.

While troubling,...

One of the best things you can do to improve your financial future, and your future as a whole is practice being grateful and content.

This is not something we are born with. It takes practice.

Open your eyes to those with less. Almost half the world—more than three billion...

Sometimes you have to hit rock bottom before you find it in you to change. That's what happened with Leigh Forrest. As a wife and mother of three, she knew she wanted better for her family, so she decided to sign up for Roots of Personal Finance. 

Since taking Roots, Leigh has not only...

Emily Gallo serves in the New Mexico Army National Guard, is a Pure Romance Consultant and is pursuing her Bachelor's degree in Business. Like most people, Emily decided to enroll in Roots of Personal Finance to get a handle on her finances. "I knew the basics of setting up a budget, but was...

Amber and Paul Taylor are two of our Canadian members. They decided to join Roots of Personal Finance in September because they were tired of not having money to truly enjoy life. They knew they needed to make a change. 

One of the problems Amber and Paul faced was eating out (like most of...