Credit 
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Why you spend more when you use a credit card

You tend to spend more if you use a credit card than you would with cashEver feel like you go on bigger spending binges when you use a credit card than you would have with cash? You’re not the only one.

There’s a lot of research that suggests using a credit card to make purchases usually means that those purchases are bigger than what we’d make with cash. But if the math is the same, why should it matter which method of payment you use?
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 Personal Finance 
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Data shows spending on basics up

Transportation costs increased
This month the Bureau of Labor Statistics released its annual survey of how American households spend their money last year.
The results seem to validate feelings among Americans that it’s getting harder for the average family to make it on their current income. Spending on necessities like transportation and food are up substantially, while spending on more elective items, like apparel and entertainment, are falling or basically flat.

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 Investing 
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1 question to transform your finances

Pitcher of beer? Doesn't produce cash flowsTalking to Bankrate’s senior financial analyst Greg McBride about investing in gold one day, I asked him why he thought gold was, in general, not a great place for normal people to put their money. His reply was something like, “It’s metal. It doesn’t produce cash flows.”

Later I thought, why not apply that to everything?


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