In early 2025, Americans saved around 5.1%–5.2% of their disposable income, reflecting a modest rebound from previous years. As the year progressed, the U.S. personal saving rate trended down toward ~3.5%–4.1% by late 2025, with November 2025 at ~3.5%. February may be the shortest month of the year—but that doesn’t …
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What to Do If You Have Over $1,000 in Your Checking Account
According to recent data, 40% of Americans keep $500 or less in their checking account, and only a smaller portion maintain higher balances — meaning that having more than $1,000 already puts you ahead of many households. The average checking account balance in the U.S. is about $16,891, but the …
Living Large on Less: How Downsizing Can Transform Your Life and Finances
📊 Home Size & Downsizing Trends New single-family homes in the U.S. have been getting smaller over recent years, with the median size around 2,200 square feet in 2023, reflecting a broader shift toward downsizing and more affordable spaces. Many Americans are adapting to rising housing costs and reduced space …
4 Costly Budgeting Mistakes to Avoid This Year (and What to Do Instead)
A new year often brings fresh financial goals—saving more, spending less, and finally feeling in control of money. Yet despite good intentions, many people fall into the same budgeting traps that quietly sabotage progress. Budgeting isn’t just about numbers; it’s about habits, mindset, and consistency. Avoiding a few common mistakes …
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 
Where to Find the Best Deals on Everyday Items?
Are you tired of overspending on everyday items? Do you wish you could find the best deals on the things you need without breaking the bank? You’re not alone. With the rise of online shopping and discount stores, it’s easier than ever to find great deals on everyday items. In …
The Ultimate Guide to Retirement Savings
Planning for retirement is one of the most important financial steps you can take, yet it’s often pushed aside in the rush of everyday life. Retirement savings are not just about setting money aside for the future—they’re about securing comfort, independence, and peace of mind in the years when regular …
How to Save Money for Emergency Funds?
Experts commonly recommend saving three to six months’ worth of living expenses as a target, though even starting with smaller milestones like your first $500–$1,000 can make a meaningful difference. On a smaller scale, JPMorgan Chase data finds 92% of households could handle a $400 unexpected expense — but this …
Wrapping Up Savings: My American Savings Secret Holiday Hack!
The holiday season is upon us, and with it comes the joy of giving, sharing, and celebrating with loved ones. However, let’s face it – the holidays can also be a financial burden. From gifts to decorations, travel, and entertainment, expenses can quickly add up. As someone who’s passionate about …
Small Steps, Big Savings: How to Save Money Daily
Saving money can seem like a daunting task, especially when you’re living paycheck to paycheck. However, the truth is that saving money is not about making drastic changes to your lifestyle, but rather about making small, consistent changes to your daily habits. By incorporating these small changes into your daily …