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

The Key Differences Between Virtual Cards and Physical Cards By Lars Guo  Published: December 10, 2025 Opening Message Hi Folks! I hope you’ve all been doing well and enjoyed your Thanksgiving! Today’s blog post dives into the differences between using virtual cards (via Samsung Wallet, Apple Pay, Google Pay, etc.) and physical credit/debit cards. Just to clarify: I’m not  talking about online-only virtual card numbers used for internet purchases. Instead, I’m focused on th

Why Budgeting Matters: A Guide to Better Financial Management By Lars Guo  Published: April 17, 2024 Opening message : Hi Folks! I hope...

Insights and Opinions on Certificate of Deposits : By Lars Guo Published: March 25, 2024 Opening message:  Hi Folks! I hope you are...