Get out a sheet of paper and write down all your set expenses: rent/mortgage, car payments, cable/streaming bill, cell phone, insurance, school payments, etc. Tally them up. Then write down all your discretionary spending. This is what you spend on food, movie nights, drinks, shopping, that daily coffee from Starbucks, your daily midday snack, and…

Finding the best travel deals is a matter of timing. A lot of people think travel is just expensive, but in reality, there are incredible deals happening all the time. They often don’t last too long, and you have to act quickly. That can sometimes be a problem when a deal requires jumping on a…

It’s slated to be a busy few years for Carnival Cruise Line. From new vessels to investments in its private destinations and an upcoming overhaul of its loyalty program, the self-described “fun ship” line is leaning into the trend of new megaships offering differentiated experiences for guests while trying to drive deeper loyalty from frequent…

I’m a big Hilton loyalist. Receiving room upgrades, free breakfast and late checkout with my Hilton Honors American Express Aspire Card makes me a big fan of the brand. I also hold The Hilton Honors American Express Business Card, which offers quarterly credits for Hilton purchases. I and many other savvy points and miles enthusiasts…

My friend flashed me a new credit card and said, “This is the latest one; it’s a must.” It was September 2016 and my first encounter with the Chase Sapphire Reserve® (see rates and fees). At the time, I only held a cash-back credit card and a cobranded airline credit card, but I took his…