The Internal Revenue Service just wants to be like everyone else – accessible on Facebook or Twitter, available to chat with you about whatever’s on your mind. The IRS has jumped into the scene in an effort to make tax time as painless for you as possible. The agency wants to be your friend and offers many solid reasons why you should accept the invitation.

If you’re like many Americans, you’ve probably received a credit card offer in the mail and thought, “Sure, why not?” The might be exorbitant, but you figure you’ll use the card only sparingly. The next thing you know, you’re pushing up against your credit limit and paying a king’s ransom in interest.  A credit card balance transfer moves the amount you owe one lender to a new card with another lender that is typically willing to charge you less interest.

The average American spends $1,200 a year on fast food, as reported by the Daily Mail. That may not sound like a big chunk of your annual budget, but it’s $4,800 for a family of four – more than enough to fund a vacation instead of wolfing down food that’s not even particularly good for you. Cooking meals at home is far cheaper once you get organized and make the time.

You may want to simplify your financial life by closing some of your accounts if you’ve built up a collection of credit cards. Keeping a credit card open, even if you don’t use it, will usually positively impact your credit score. However, in some circumstances, you may have a good reason to cancel a card to help your or your financial peace of mind.

If you’re tired of paying extremely high interest rates on your credit card balance, a balance transfer might be for you. You might even qualify for a special low introductory rate if you have a good credit score. Even if your credit isn’t perfect, you might still be able to get a lower than the rate charged by your current card.

Date: November 15, 2016