Did you know that if you haven't shopped around for insurance you might be overpaying? This isn't just about finding a cheaper insurance company, often your loyalty to one company means your rates will be raised without you knowing there are other cheaper options.

Where do I start with making a budget? I know I need one, but how do I know what I need to include? Learn this and more on this weeks episode of the Money Chat podcast.

A personal budget is the strategic cornerstone for achieving profound financial control and empowerment. Budgeting transcends mere numerical tracking; it serves as a meticulously crafted blueprint that illuminates the intricate flow of money within a household. It provides an unequivocal understanding of cash inflows, meticulously tracks expenditures, and definitively reveals whether a healthy surplus is available for savings and investment, or if a deficit is actively depleting existing reserves or contributing to household debt. There is a dual-pronged approach to financial optimization: actionable strategies designed to amplify cash inflows and astute tactics aimed at streamlining and reducing cash outflows. This is intended as an indispensable guide for individuals seeking to establish robust financial security and attain enduring peace of mind.

One of the best places to park your cash while still earning interest is a high-yield savings account (HYSA). But which one, and what do they expect you to do to each this interest?

Let's dive into smart cash strategies, and what the best current HYSAs are in July 2025.