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My American Savings Writers' Room 
Let’s Talk About Holiday Spending: Why We Spend More Than We Plan
Key Points: » Holiday Spending Is Emotion-Driven: Family expectations, nostalgia, and social comparisons often lead to unplanned purchases. » Marketing and Social Pressure Increase Spending: Holiday deals, promotions, and gift-exchange traditions encourage people to spend more than planned. » Small Expenses Add Up Quickly: Costs like travel, food, decorations, and parties can …
Harvey Levi 
Why Millennials and Gen Z Are Choosing These Credit Cards
Key Points Gen Z has higher credit card ownership rates than Millennials did at the same age — signaling a shift in early adult financial behavior. Rewards, digital convenience, and credit building are top motivators for these generations. Responsibility is growing — many Millennials and younger adults pay their balances …
Swipe Smart: How to Tell If a Credit Card Offer Is Worth It
Key Points Look Beyond the Sign-Up BonusA large welcome bonus is tempting, but always compare it against the spending requirement, annual fee, and ongoing rewards structure before applying. Compare the APR and Fees CarefullyInterest rates, balance transfer fees, foreign transaction fees, and annual charges can quickly outweigh rewards if you …
GovDeals Secrets: What to Buy (and What to Skip) for Real Savings
Before diving in, it’s worth understanding just how massive the government surplus marketplace is. GovDeals has completed over 4 billion dollars in total sales, features over 6 million qualified buyers, and lists nearly 900 categories of surplus items — from trucks and computers to heavy construction gear and real estate. …
How to Combine Free Samples with Coupons for Maximum Savings
If you’re using coupons but ignoring free samples, you’re leaving serious money on the table. According to industry research from Inmar Intelligence, more than 90% of U.S. households use coupons in some form, whether digital or paper. Meanwhile a research from Arizona State University shows that consumers purchasing decisions are …
Why Most Families Waste Money on Subscriptions (And How to Stop)
Subscription fatigue is real, and many families are paying for it—literally. Recent data shows that nearly one in four Americans spends over $100 per month on streaming and subscription services, which adds up to more than $1,200 a year for just a portion of recurring charges. On top of that, …
How to Use Coupons at Curbside Grocery Pickup (And Still Save Big)
Curbside grocery pickup has become a popular choice for busy households looking to save time and avoid impulse spending inside stores. What many shoppers don’t realize, however, is that you can still use coupons effectively with curbside pickup—and sometimes even save more than you would in-store. With the right strategy, …
Best Stores to Use Coupons and Save Big on Everyday Shopping
Shopping wisely is one of the most effective ways for households to stretch their budget, and couponing is a time-tested strategy that can significantly reduce your expenses. In the U.S. today, many families spend a large portion of their income on essentials like groceries and household items — for example, …
I Was Spending Too Much—Here’s What I Did to Lower My Monthly Expenses (20 Ideas)
There was a point when my monthly expenses felt heavier than my income, no matter how carefully I planned. Instead of trying to make more money right away, I decided to focus on what I could control—how I was spending. I didn’t overhaul my life overnight, but I made intentional …
Jessica the Saver