MoneyTips - CBS News 8 - San Diego, CA News Station - KFMB Channel 8

According to a new study from Visa, EMV cards have lived up to their promise

Identity thieves have many other ways to cash in on your personal information

You could be wasting significant money on your energy bills that you could change into savings with a few minutes of attention

Many people never check their credit reports and find out at the worst possible time that they contain errors – for example, when they are applying for a mortgage

When you're tempted to accept a store card offer, think of two things how you would use the card in the future and how opening the account will affect your credit score

Miss a credit card payment, and you'll suffer the consequences

At least part of the millennial generation has other debt concerns

If you're looking to cut your spending, we've got you covered with this list of tips to slash some of the major auto costs and keep more money in your pocket

Is there a limit to America's appetite for debt? At least one indicator suggests that the answer is no

You may be mentally and physically ready to retire, but are you financially ready to retire?

Have you checked your credit report lately? If not, what's keeping you from doing so?

It's important to avoid unnecessary fees that take a bite out of your nest egg without providing value in return

Have you spent too much on vacations, dining out, or entertainment this summer? Follow these seven simple steps to get your finances back on track and pay down your debt faster

Did you miss the April 17 tax deadline for 2018? If so, you probably filed for and received a six-month extension from the IRS. Don't relax too much, because October will be here before you know it

A lower score means greater risk, and lenders will charge you a higher interest rate because of that difference

So, you are in the market for a new vehicle, huh? You've got some important decisions to make. But perhaps your most important decision, at least from a financial standpoint, is how you will pay for the vehicle

Are you having trouble getting a home loan because you have no suitable credit history? That may soon change

Are you familiar with the 4% rule and how it relates to retirement? Let's find out.

The term "administrative offset" brings to mind meaningless governmental jargon. It is governmental jargon – but if you are affected, it's not meaningless at all

While technology provides a safety net of sorts, consumers still need to be proactive about managing their transactions and statements

Just like assets can be sold, so can debts. But things relating to the servicing of your loan such as due dates and payment arrangements may change

You probably comparison-shop for most of your purchases, especially the high-dollar ones. Consider doing the same when it comes to your mortgage.

When your credit score is down, it takes great effort to rebuild it

Perhaps millennials are expecting too much out of homeownership, ignoring the old axiom "The secret to happiness is low expectations."

If you don't use your card wisely, it's easy to get into unpleasant credit situations that can have long-lasting effects

The relationship is almost zero between mortgage rates and home sales

What does your dream home look like, and how much does it cost? Whether it's a cottage on a secluded beach, a stately mansion on a hill, or something in-between, your dream home probably won't come cheap

You're responsible for your own taxes and will be facing new taxes and rules on your retirement income sources like these

Do you have enough cash to handle an unexpected emergency expense? According to a new survey, a significant number of Americans don't have an emergency savings fund and don't see the lack of one as a problem.

"Always check your credit report for errors, and dispute any errors as soon as possible." We normally give this advice, but there are a few exceptions to this rule – including when you are preparing to apply for a mortgage

Do you plan to relocate when you retire? If so, where would you like to go?

Homeownership remains a goal for most Americans. However, a recent report shows eight concerns renters have regarding that goal

Welcome, students, to income taxes and how they affect the working world that you have joined

Here's what happens when you start missing credit card payments

Do you have a financial plan? A real, written plan with goals, targets, and timelines, not just "I plan to stay out of debt this year"? If you have no such plan, you have plenty of company

Americans will soon be paying up to $33 billion more each year for online purchases

How much does your credit score affect your mortgage rates? A recent study by Zillow reveals some shocking information

Affordable transportation is often a concern for senior citizens

Prospective first-time homebuyers are facing stiff challenges as they enter today's housing market – including finding an affordable home

Does your student loan situation look hopeless? Don't give up hope yet.

Affordable housing? What affordable housing?

Are you planning to take out student loans soon? Be prepared to pay more for the privilege

Could President Trump's newest law be damaging to your credit?

Unless you are just starting out and have no credit history, or are attempting to rebuild poor credit, you should be able to qualify for a rewards credit card

How do you plan to fund your children's education?

Are you having difficulties paying off your student loan debt? If you don't qualify for other methods of help, refinancing your student loan might be a suitable option

Are you counting on Social Security for most of your retirement funds – and if so, how comfortable are you that the funds will be there at retirement?