Spend smarter,
live happier
60% of Gen Z regret their personal spending. Managing your finances can be tough, but we’re here to help you on your journey to financial freedom.
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From debt to
financial freedom
If you’re struggling with debt, you can find a way out with a few easy, actionable steps.
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Future-proof
your finances
More than half of Gen Z think that buy now, pay later loans are a savvy way to spend. Discover smarter ways to handle your finances and stay ahead of the game.
Learn MoreEmpower your wallet
It’s time to own your financial future. Financial literacy equips you with the tools to budget wisely, borrow effectively and save smartly. From budgeting hacks to loan management and investment tips, our resources are designed to help you understand how to manage your money so you can reach your financial goals.
Quiz
Test your financial IQ
Are you a financial whiz or still just learning the ropes? From budgeting basics to investment insights, put your knowledge to the test and unlock valuable tips to help you reach your goals.
What is a budget?
What does APR stand for, and why is this important?
Which of the following is good practice for building credit?
What is an emergency fund?
Credit Score
Five factors that make or break your credit score
Building good credit is a journey, not a sprint. Use the following hacks to build a better credit score:
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Payment history
Paying on time is key to keeping your credit healthy. Set up automatic bill pay to avoid late fees and dings to your credit score.
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Credit utilization
Keep those balances low, friend. Aim for no more than 30% of your limit.
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Length of credit history
Old is gold! Longer credit history = better score. Don't ditch those old accounts.
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New credit inquiries
Easy on the applications! Too many checks can ding your score.
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Credit mix
Variety is the spice of life (and good credit). Mix it up with different types of credit.
Investment
Become an investment expert
Investing can be a cheat code that opens the door to a brighter financial future. Explore the differences between types of investments below.
Stocks: Own a piece of the action
With stocks, you become a part owner of a company and profit as they grow. Remember that prices fluctuate, so research is key.
Bonds: Lend and earn
When you invest in a bond, you’re essentially lending money to a company or government. In return, they promise to repay you the full amount, plus interest, over a set period.
Mutual funds and EFTs: Invest with variety
Let the pros handle the decisions! Pool your money with others to invest in a mix of stocks and bonds without the hassle.
Dollars and sense:
The guide to budgets
Ready to take control of your cash? Whether you're saving for that next vacation, crushing student loans or just want to stop living paycheck to paycheck, setting smart goals and tracking your spending can make your money work harder.
Budgeting
The 50/30/20 rule
Ever feel like your money vanishes in the blink of an eye? This easy-to-follow budgeting rule can help you extend your paycheck.
50% needs
Half of your monthly earnings should go to rent/mortgage, groceries and utilities so that all your basic needs are covered. You can set up auto pay for recurring payments, so you never miss a due date.
30% wants
Fun money! This is what you can spend on whatever your heart desires. Splurge on concert tickets, pay for streaming services or sign up for a gym membership.
20% savings
Set your future up for success so that an emergency doesn’t force you to cut back even further on your spending.
Pro tip
Open a separate savings account. It keeps emergency funds out of reach until you actually need them. Don’t forget to set up automatic transfers so you don’t even have to think about transferring money into savings on payday.
Quiz
Test your budgeting skills
How well do you keep track of your budget? From understanding fixed expenses and knowing when to reevaluate your monthly spending, use this quiz to test your knowledge and learn new ways to budget for your future.
What should you do if your expenses exceed your income?
What is credit utilization?
How often should you review and adjust your budget?
Feel good finance
Financial worries can impact your health, but don’t worry. Following the right tips can ease money-related anxiety and help you find peace of mind. Remember, taking care of your mental health is just as important as managing your money. Let's work on both together.
Credit Score
The three-day rule
Has something shiny caught your eye? Give it three days before you add it to your cart. The three-day rule is like a financial detox that:
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Cuts down on those impulse buys (goodbye, buyer's remorse!)
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Gives you time to think about if you really need it
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Protects your wallet and helps your peace of mind
After waiting, if you still want it and it fits your budget? Go for it! If not, congrats. You just saved yourself from an impulse buy you didn’t need.
Quiz
Assess your financial well-being
Test how well you’re adopting financial wellness practices, gain insight into how you manage your financial stress and discover tips that can help you feel good about your finances.
Do you automate your savings?
How do you handle unexpected expenses?
Do you practice mindful spending?
What makes
something an
impulse buy?
Unplanned
A sudden or
emotional decision
Not in the budget
Unnecessary
Go green: Sustainable tips for your wallet
Explore how you can integrate eco-friendly practices into your financial routines, from budget-friendly sustainable swaps to investing in green initiatives.
