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Since 2009, American consumer spending on holiday gifts and expenses has increased annually. In the early fall of 2021, despite fears of higher prices, empty shelves, and a continuing pandemic, Americans told researchers at the National Federation of Retailers that they planned to spend about $1,000 on gifts, food, and decorations over the holiday season, or […]

The Holiday Industrial Shopping Complex Annual surveys of more than 1,000-holiday shoppers regularly show that, on average, holiday purchases add as much as $1,381 in debt to individual credit cards in the three months leading up to the arrival of the holiday. This is a sum that most people say they can’t possibly pay down […]

What is a cyber scam? The FBI’s Internet Crime Complaint Center, or IC3, is the US government’s central public repository for all forms of internet fraud and published their 2020 annual report showing that cyber scams grew in size and scope while citizens were battling the pandemic. IC3 fielded nearly 800,000 complaints in 2020 and said Americans […]

Most Americans who go broke annually do so because of medical debt, leading 530,000 families to file for bankruptcy every year. One reason for this is because health care in America can be extremely expensive, and health insurance coverage, even when offered through employment, is often woefully inadequate. Another reason is that Americans don’t often […]

A renovation project can add square footage, modern fixtures, value, and comfort to your home, but what does it take to get started? How much does a home renovation cost, and how much should you spend? Like most self-directed projects, once the idea to commit to a renovation takes hold, the question of budget rises […]

Whether you are a kid saving birthday money or an adult managing your finances, when you need to keep money somewhere because you don’t have plans to spend it, you either put it in a Piggy Bank or open a savings account. In principle, it is generally easier to pay daily expenses with cash or […]

It’s never too early to begin teaching your kids about money, and there is no better time to start than today. Parents are uniquely equipped to pass on this crucial life skill because young children, as a rule, learn to negotiate the outer world by observing and imitating their primary caregivers. Who better than successful […]

Your financial goals, budgets, savings, and debt can all be managed at your fingertips with Empeople’s Digital Banking. But what happens when your single life changes and you combine economic households? Your finances undergo a transformation too, and this week the Empeople Daily is here with tips on how to merge financial forces when two […]

A family budget can expand and contract over the seasons to cover utility bills. Heating, cooling, power, lights, and water all add up, whether in summer heat or winter chill, and a typical American family spends more than $1,400 per year to keep itself in comfort. But did you know that there are plenty of […]

If you’re planning your next family vacation, consider making a vacation budget! While it won’t be the funniest part of planning your next trip, a budget can help you make the most of your vacation without feeling financially strained upon your return. Empeople is here with tips and tricks for members who are itching to […]