Q: Winter’s here! Every time the furnace kicks on, I feel like it’s burning money! How can I keep my house cozy and my heating costs low?

Financial setbacks come in all shapes and sizes. It can be an expensive household repair, a medical emergency, getting laid off or the birth of a baby. Whatever the situation, it’s impossible to plan for every financial hit you will take in your lifetime. But don’t fret. If you’re hit with hard times, here’s some tips to keep in mind.

Whenever a breach of Equifax magnitude hits the media, it fosters uncertainty and leaves us wondering how to protect ourselves as consumers. The best practice is simple; be a good steward of your credit and money at all times.

Dreaming of that new home can be fun, but finding out that you can’t afford it—not so much. Here are four things to consider before you start your search: