Lack of financial knowledge has resulted in many young adults making bad decisions with their money. Most money problems can be solved by learning how money works and using it to help you succeed.

The cash envelope is a classic budgeting system that can help you to stop overspending and avoid debt. Read this CapWay article to learn how the cash envelope budgeting system works.

It seems impossible to do Christmas shopping without going into debt sometimes, but it is possible! Find out how.

Have you ever wondered why you were denied a loan? It usually comes down to the 3 C's of credit: Character, Capital, and Capacity. Learn more here.

To attract new customers, credit card companies frequently advertise generous welcome bonuses. These welcome bonuses can quickly add up to many miles, points, and cash-back offers. Some people try to maximize their rewards by applying for multiple cards simultaneously. This process is known as credit card churning.

Buy Nothing Day is an international day of anti-shopping and anti-consumerism. What exactly does that mean, and should you participate? Read this CapWay article to find out!

The Buy Now, Pay Later (BNPL) service is a new payment method that has become increasingly popular. Despite BNPL becoming more widespread amongst the younger generation, this program carries significant financial risks if the money isn’t paid back on time.

Everyone should regularly check their credit report. The difference between a soft inquiry and a hard inquiry can significantly impact your score. Here's what you should know about the difference between both.

The debt-to-income formula, or DTI, helps determine your financial health by comparing your monthly required debt payments to your after-tax take-home pay. A low number means that only a small percentage of your take-home pay goes towards paying debt.

When a bill is sent to a debt collection agency, it can severely impact your financial health. Your credit score will suffer, and the delinquency will stay on your credit report for seven years. Here's what you should know about the collections process.

There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.