The beginning of a new year often marks the start of new habits and goals, including when it comes to personal finances. And AI could be the key to reaching your 2026 financial resolutions. According to a 2025 JD Power survey, more than half of consumers say they are using AI to get financial advice or information; of those respondents, 13% say they use AI for banking and financial services on a daily basis. At a time when higher everyday costs are stretching many people’s budgets to the max, AI can offe ...

Core Insights - Cash-back cards can enhance financial management by providing rewards on everyday purchases, effectively acting as a bonus for consumers [1] Group 1: Maximizing Cash-Back Benefits - Consumers should focus on maximizing spending on essential items like groceries, gas, and utilities to earn cash back on necessary purchases [4] - Stacking rewards by combining cash-back cards with digital coupons or store loyalty programs can significantly increase savings, potentially leading to hundreds of dollars in annual savings [5] - Using cash-back cards for recurring expenses, such as cellphone or internet bills, can create a reliable rewards system, provided the balance is paid in full each month to avoid debt [5] Group 2: Strategic Redemption and Mindset - Strategic redemption of cash-back rewards is crucial; options include statement credits, direct deposits, or contributions to high-yield savings, which can enhance long-term financial strategies [6] - It is important for consumers to treat cash-back rewards as a bonus rather than a part of their income to avoid financial strain in the future [6]

Parenting & Finance - Parents share money-saving tips for raising children of all ages [1] - The article focuses on practical hacks for managing the costs associated with raising kids [1]

Personal Finance Management - Parents are using creative methods to save money on travel, such as packing clothing into car seat bags to avoid luggage fees [1] - Families are purchasing theme park souvenirs from alternative sources like Amazon to reduce vacation expenses [2] - Parents are simulating paychecks by transferring money to their children's checking accounts bi-monthly to teach budgeting skills [3][4]