Teri Williams

How Marketing ‘Trained’ You to Overspend (and How to Debug It)

Summary Marketing shapes the choices that impact your wallet. If you understand how those tactics pull your attention and steer your dollars, you can protect your cash flow, keep your money compounding, and send more of each purchase back into your local economy. Americans report spending about $282 per month on impulse purchases, or $3,381 […]

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Buy Now, Pay Later (BNPL) vs. Credit Cards: Smarter Holiday Shopping

Summary It’s the holiday season! A time for joy, family, and making memories, not debt. Stress can start to pile up with holiday expectations and mounting costs. Keep the interest at bay by knowing how Buy Now, Pay Later (BNPL) and credit cards affect your wallet and even your credit! Between the group chat gift

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