With inflation straining paychecks and essentials like food, housing and transportation taking a bigger bite out of monthly budgets, saving money has become a real challenge for many middle-class Americans. It’s not that people don’t want to save, it’s that many feel like there’s no room left once the bills are paid. Saving Isn’t About Luck. It’s About Planning A recent post on Reddit’s r/MiddleClassFinance community sparked a wave of no-fluff advice after one person asked, “Don’t gatekeep, what are yo ...

AI在个人财务管理中的应用趋势 - 超过一半的消费者表示正在使用AI获取财务建议或信息 其中13%的受访者每天使用AI进行银行和金融服务[1] AI助力省钱的具体策略 - 将模糊的财务目标转化为清晰、可执行的计划 例如将“今年节省5000美元”的目标基于60000美元的年薪分解为月度计划[3][4] - 识别并取消未使用的订阅 美国成年人平均每年在订阅上花费1080美元 其中近200美元用于未使用的订阅[4] - 协商降低月度账单 包括互联网、有线电视、家庭服务、保险费和医疗账单等[6] - 通过AI驱动的购物工具进行更明智的消费 例如使用价格提醒、追踪商品价格历史以及识别平价替代品[7][8][9] - 自动化储蓄决策 例如设置规则“如果我的支票账户余额超过X美元 则将Y美元转入储蓄账户”[10][12] AI财务工具的市场参与者 - 提供AI订阅管理服务的应用 例如Rocket Money或Trim[5] - 提供AI账单协商服务的工具 例如PocketGuard或Pine AI[7] - 提供AI购物助手的主要公司 例如Google的Shopping Assistant、亚马逊的Rufus和沃尔玛的Sparky[8]

Cards that offer cash back can be good boosts to your finances, particularly if you’re using them to buy things you would purchase anyway. You could think of it as a nice bonus. “The biggest money-saving secret isn’t necessarily all about finding new tricks but instead looking at what rewards cards you have and making sure your spending behaviors align,” said MB Bell, a senior advisor at Valuedynamx who has worked in the loyalty and rewards industry for 25 years. “Don’t be afraid to ditch any cards that d ...