Welcome to Caleb Hammer's Money Blog

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Credit Card People

Caleb Hammer

Published on: 29/10/2025

Wondering if you should use a credit card? Learn how to tell if you’re a “credit card person,” how to avoid debt, and the smart way to build credit without falling into financial traps.

Budgeting

Many Americans overspend on rent and space they don’t need. Learn why downsizing, living within your means, and cutting housing costs can free up cash for debt, savings, and a better financial future.