No matter what your financial situation is, it’s a good idea to have an emergency fund for those unplanned expenses life throws your way. An emergency fund can help you stay on track financially when the unexpected happens.

Debt repayment can feel overwhelming, no matter what stage you’re at in life. According to Bankrate.com, Forty-two percent of U.S. adults report that money concerns and dealing with debt negatively impacts their mental health. Changed, a debt repayment app, can help ease some of that financial anxiety.

As technology advances, so does the sophistication of the scams that everyday individuals are encountering. Today, there are many scams, from fake websites, text messages from a fake phone number, to the classic letter in the mail letting you know the car warranty you never had is expiring. Here are some tools and tips on spotting and avoiding scams.