Are the New Year Resolutions relevant or just Rituals?

"The Psychology Behind Why New Year’s Resolutions Fail."

 When the clock strikes midnight signaling the start of a new year, many adults will have committed themselves to a New Year’s resolution.

According to a Forbes Health/OnePoll survey conducted in October of 2023, 61.7% of respondents say they feel pressured to set a New Year’s resolution. In addition, many respondents are planning on setting multiple goals with 66.5% stating they plan on making three or more resolutions for the year ahead.1

Whether it’s to lose weight, get out of debt, pursue a coveted hobby, socialize more, or something else, for many, making New Year's...
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Which Federal Holiday is your favorite?

We all love one Holiday or more. It's great to get some time-off from work, school, or otherwise.

Select your choice from below and answer.

(A) The New Year's Day Holiday

(B) The Christmas Day Holiday

(C) The 4th of July Independence Day Holiday.

(D) The Martin Luther King, Jr Holiday

(E) The Memorial Day Holiday

(F)  The Labor Day Holiday

(G)  The Thanksgiving Holiday

(H) The Veterans Day Holiday

And see "Overview."
Federal law (5 U.S.C. 6103) establishes the public holidays listed in these pages for Federal employees. Please note that most Federal employees work on a Monday through Friday schedule. For these employees, when a holiday falls on...
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Are you still making Credit Card Mistakes?

"Credit Card Mistakes You Shouldn't Repeat in 2025."

Avoiding these credit card traps can keep you out of debt and grow your credit score. 

Crushing your money goals in 2025 will be a lot easier if you aren't saddled with paying sky-high credit card interest and fees every month. 

The Federal Reserve may have cut interest rates last year, but credit card APRs are still well over 20%. If you carry a credit card balance from month to month, that interest compounds, causing your debt to balloon quickly and potentially leaving you perpetually digging out of debt. 

And the more money you have to...
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Which one of these New Year Resolutions Topic is most revelant to you?

Select your Answer for just one of the following:

(A) Health Wellness Resoulution

(B) Money Financial Resoulution

(C) Political Government Resolution

(D) Social Friendship Resolution

(E) Family Relatives Resolution

(F) Jobs Employment Resolutions

(G) School Education Resolution  

(H) Faith Religious Resolution

If none of the above is most relevant to you, then you can mention what is most relevant to you in your Answer.

Is Buy Now, Pay Later Often a Debt Trap?

"Buy Now, Pay Later Often a Debt Trap" by Herb Weisbaum.

Despite stretched household budgets and concerns about the economy, American shoppers are expected to spend more—and take on more debt—this holiday season. Consumer spending on gifts, food, decorations, and other seasonal items is expected to hit a record of $902 per person, $25 more than last year, according to the National Retail Federation’s annual survey.

The number of shoppers using buy now, pay later (BNPL) financing continues to grow. Adobe predicts BNPL will hit a record $9.5 billion during the month of November and it forecasts that Cyber Monday 2024 will...
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