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    Take a new approach to managing credit, savings and making smarter financial choices with expert advice from Life and Money by Citi.

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LIFE and MONEY

Looking for tips on spending and saving, building credit, paying down debt and more? Check out the resources below.

UNDERSTAND YOUR CREDIT

People Who Have Good Credit Do These 6 Things

Not Sure How to Start Building Credit? Read This.

6 Smart Ways to Help Improve Your Credit Score

What I Wish I'd Known Before Getting my First Credit Card

Debit or Credit? Here’s When to Use Each, and Why

FICO Credit Score and VantageScore: What’s the Difference?

How Does Your Credit Score Work? Here's a Quick Guide.

How to Get – and Keep – a Good Credit Score

MANAGE YOUR MONEY

Dealing with Debt? These Strategies Can Help.

5 Financial Tips Every Grad Should Know

5 Key Steps to Financial Wellness

Spend and Save Smarter with These Strategies

How to Create a Budget and Stick to It

Helpful Tips for Managing Your Money

GROW YOUR SAVINGS

Not Really Saving? Use These Tips to Get Started.

How to Spend and Save Smarter in Any Economic Climate

New to Investing? Don't Let These 6 Myths Stop You

Understanding the difference between a Roth IRA and a Traditional IRA

Save or Invest? To Build Wealth, Try a Balance — Here's How.

PROTECT WHAT'S YOURS

Buying a House? Why You Need a Mortgage Pre-Approval First

7 Growth-Boosting Small Business Secrets

Have a College Kid? These Quick Tips Can Help Them Avoid Student Scams.

Investment Scams Are a $3 Billion Problem — Here’s How to Steer Clear

Scammers are Targeting Email Inboxes. Here’s What to Watch For.

Low-Tech Fraud Is Ramping Up – Here's What to Know