Sense & Centsibility Blog

Latest Blog Posts

A blue credit card with frost along the top edge and six icicles of different sizes hanging from the bottom edge. The card reads Credit Freeze in the upper right corner. There is a graphic of the world on the left side. Across the middle of the card is the credit card number. In the bottom right corner is logo similar to the Master Card logo, but it reads Your Card.
Credit
How To Guides

Protect your identity [freeze your credit]

Biracial couple sitting at table and smiling at person across the table who has long black hair that extends down her back. Behind the couple are shelves and a plant.
Financial Counseling

Financial counseling or financial coaching: What sets them apart?

Woman sitting on an aqua-colored lounge chair, with her legs folded under her body. She has a laptop on her lap, and she looks up as if searching for an answer. To the left of the woman are three question marks.
Debt
Savings

Debt or savings: Which should I focus on first?

Monica paid off $43,857 of credit card debt
Debt
Debt Management Plan

Monica's journey to becoming debt-free

Three rectangular tiles lie on the grass. A white tile reads Federal in bold black type, a red tile reads Student in white type, and another white tile reads Loans. in bold black type. The three tiles are placed together so they read Federal Student Loans. Lying on the grass around these three tiles are an orange calculator and four tiles of different shapes and colors.
Student Loan

Major changes to federal student loans [what they mean for you]

Man holding an energy-efficient light bulb in his left hand and using a calculator with his right hand. On the right side of the photo is a small wooden model of a home.
Being Frugal
Budgeting

Tips for cutting your energy costs this summer [and year-round]