Practical Steps to Create a Successful Budget for Your Money By Lars Guo Published : February 5, 2026 Opening Message: Hi folks! I hope you’re doing well. This blog post walks through practical ways to budget your money and better understand where it’s going. Disclaimer: I am not a financial advisor. My goal is simply to share methods that have worked for me and may help you manage your finances more effectively. I hope you find this post useful. Made by Chat GBT Step 1: St

Are Debit Cards a Smart Choice for Your Wallet? By Lars Guo Published:  January 16, 2026 Opening Message: Hi folks! I hope you’re all doing well. This blog post shares my personal thoughts on debit cards. These are simply my opinions, and you’re absolutely free to have your own views on debit cards. I hope you enjoy the blog! Image taken by Wix Background: When I was a senior in high school, I received my first debit card from Metro Credit Union. At the time, I didn’t have

Navigating Payment Choices: Recommendations for Users By Lars Guo Published: January 9, 2026 Opening Message: Hi Folks! I hope you are doing well. This blog post explores different payment choices and my personal thoughts on the strengths and weaknesses of each option. I also share which payment methods I prefer and why. These are my opinions, so I ask that readers remain respectful even if they disagree. Without further ado, I hope you enjoy this piece. Taken by Wix Credit

Credit Cards Explained: Their Value and Risks in Today's Market By Lars Guo Published:  December 29, 2025 Opening Message Hi folks! Happy holidays! I hope everything is going well for you and that your holiday season has been amazing. Today’s post is about credit cards. This is purely my opinion, and you are free to disagree with me. All I ask is that everyone remains respectful. Thank you. Background I got into credit cards after receiving my very first one in 2023. At tha

Examining the Importance of Cash in Modern Transactions By Lars Guo Published: September 12, 2024 Opening Message: Hi folks! I hope you're doing well! In today’s blog, I’ll be discussing cash—its pros and cons, and my personal take on its role in modern transactions. This topic was inspired by a YouTube channel called Spencer’s Adventure . You can check out his channel here: Spencer's Adventure Review . He recently made a video about cash, which sparked some thoughts and le