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Latest Articles
Impulse Spending: How to Stop Wasting $5,400 a Year on Things You Don't Need
Impulse Spending: How to Stop Wasting $5,400 a Year on Things You Don't Need The average American spends $314 per month — or $5,400 per year — on impulse purchases they later regret. The top impulse categories are food and dining ($73/month), clothing ($57/month), and household items ($52/month). Research shows that more than half of U.S. shoppers have spent $100 or more on a single impulse buy, and 20% have crossed the $1,000 threshold at least once. I decided to track every unplanned purchase I made for 30 days. The result was a gut punch: $487 in impulse spending I could not justify. Three Amazon orders totaling $134 that I had completely forgotten about by the time they arrived. Eleven coffee shop visits at an average of $6.18 each — $68 on lattes I made purely out of habit. Four fast food lunches at $12-$16 a pop when I had...
No-Buy Challenge Calculator: Complete Guide to Saving Thousands in 2026
No-Buy Challenge Calculator: Complete Guide to Saving Thousands in 2026 A no-buy challenge is a commitment to stop purchasing non-essential items for a set period, typically 30 days to a full year. The average American household spends over $18,000 annually on discretionary purchases including dining out, clothing, entertainment, and impulse buys. By eliminating or reducing these categories, participants routinely save $5,000 to $15,000 per year. When I tried a 3-month no-buy challenge last spring, I was skeptical it would stick. I cut coffee shop visits ($135/month), dining out ($400/month), and impulse online shopping ($265/month). By the end of those 90 days, I had saved $2,400 -- money that went straight into my emergency fund. The hardest part was the first two weeks. After that, I stopped browsing Amazon out of boredom and started actually appreciating what I already owned. Use our No-Buy Challenge Calculator(/finance/no-buy-challenge-calculator) to calculate your personal savings potential...
How Trump Tariffs Affect Your Household Budget in 2026: A Complete Breakdown
How Trump Tariffs Affect Your Household Budget in 2026: A Complete Breakdown The average American household will pay an estimated $1,300 to $2,100 per year in higher costs due to 2026 tariffs, according to analyses from the Tax Foundation and the Tax Policy Center. Tariffs function as a hidden consumption tax — they are paid by US importers, but the cost is passed directly to consumers through higher retail prices on everything from groceries to electronics to clothing. Last fall, I sat down with a family earning $65,000 a year who felt like their money was disappearing faster than ever. When we ran the numbers together, we found they were paying roughly $2,100 more per year than they would have without the current tariffs. Their grocery bill had climbed about $18 per week — roughly $940 a year — and clothing for their two kids was costing 15-20% more across...