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Laura

Laura Gariepy

Laura has been a freelance writer since 2018. Her work primarily focuses on managing your money, navigating your career, and running a successful business. Her words have been featured in U.S. News & World Report, Fortune Recommends, The New York Post, USA Today, and many other publications.

Posts by Laura Gariepy

How to Choose the Best Mortgage Lender: 9 Steps to Save Thousands

Choosing the right mortgage lender is one of the most important financial decisions you'll make as a homebuyer.
Read MoreSep 10, 2026
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How to Use a 0% APR Credit Card Without Getting Burned

A 0% APR offer can give you a break from high card interest, helping you pay down debt or cover a big purchase without interest for a limited time. The savings only stick if you follow the rules: pay on time, watch for fees, and plan to pay it off before the promo ends.
Read MoreSep 7, 2026
How to Use a 0% APR Credit Card Without Getting Burned

Your 0% Intro APR Is Ending? Here's Your Action Plan to Save on Interest

0% intro APR ending soon? Here’s what happens when the promo ends and how to avoid costly interest: confirm your end date, set a payoff target, and choose the best next step, from faster payments to a balance transfer or rate reduction.
Read MoreSep 2, 2026
Here's Your Action Plan to Save on Interest

How Many Credit Cards Should I Have?

The right number depends on your spending habits, your goals, and how much complexity you can manage. Here's how to find yours.
Read MoreAug 25, 2026
How Many Credit Cards Should You Have?

Travel Insurance Through Credit Cards: What You Need to Know

Credit card travel insurance offers financial protection against trip cancellations, delays, lost baggage, rental car damage, and travel accidents when you pay for your trip with an eligible card.
Read MoreAug 25, 2026
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How Does Credit Card Interest Work? How to Calculate (and Avoid) This Expense

When you look at your credit card statement, sometimes your bill may be higher than the cost of your purchases.
Read MoreAug 24, 2026
How Does Credit Card Interest Work? Learn How To Calculate (And Avoid) This Expense

How Do Credit Cards Work? A Beginner’s Guide to Smart Spending

Maybe you've always used hard cash or your debit card to shop, or perhaps you have a credit card in your wallet, but you're not sure how to best use it. You probably have some questions. Well, we’ve covered answers to all the credit card basics for you right here; from how they work and their types to learning how to use them for credit building.
Read MoreAug 24, 2026
How Do Credit Cards Work? A Beginner’s Guide to Smart Spending

What Is APR on a Credit Card, and How Much Can It Cost You?

When you look at your credit card's monthly statement, you'll likely see the term APR sprinkled in there. APR is short for annual percentage rate, and it's how much it costs to borrow from your credit card issuer each year.
Read MoreAug 24, 2026
What Is APR on a Credit Card, and How Much Can It Cost You?

Business Credit Cards for Solopreneurs and Freelancers: What You Need to Know

As a freelancer, solopreneur, or side hustler, you’re a company of one. It doesn’t matter if you’ve always dreamed of starting a business or if self-employment fell into your lap: Smart money management is the key to your entrepreneurial success.
Read MoreAug 24, 2026
Business Credit Cards for Solopreneurs and Freelancers: What You Need to Know

How to Use Credit Card Points for Last-Minute Travel Emergencies

When a crisis strikes, your rewards balance shouldn't be a source of stress; it should be your fastest way home.
Read MoreAug 24, 2026
How to Use Credit Card Points for Last-Minute Travel Emergencies

The Blue Business® Plus Credit Card from American Express Review

The Blue Business® Plus Credit Card from American Express, our partner, could be a great addition to your wallet if you want a basic rewards card that gives you a solid return on all your company purchases. However, you should likely explore other options if you travel often or want a higher reward rate in select spending categories.
Read ReviewDec 12, 2025
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The Business Platinum Card® from American Express Review

The Business Platinum Card® from American Express is known as a top-tier business rewards credit card. The card from our partner may be a good addition to your wallet if you plan to use it to book frequent business travel. On the other hand, you may want to explore different options if you won't fully use the card's benefits to offset the high annual fee.
Read ReviewDec 12, 2025
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American Express Platinum Card® Review

The American Express Platinum Card® is a popular travel rewards card from our partner. The card may be ideal for you if you book a lot of flights and hotel stays or want to enjoy a suite of travel-related perks. However, if you want to earn rewards for making everyday purchases, like groceries or restaurant meals, you may want to check out other cards, like the American Express® Gold Card.
Read ReviewDec 11, 2025
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American Express® Gold Card Review

The American Express® Gold is a solid rewards credit card, offering points for both everyday and travel purchases, from our partner. The card could be a great addition to your wallet if you use it regularly to buy groceries, pay for restaurant meals, or book flights. However, if you want a card with more luxurious travel benefits, you should probably look at other options, like the American Express Platinum Card®.
Read ReviewDec 11, 2025
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The American Express Blue Business Cash™ Card Review

The American Express Blue Business Cash™ Card from our partner is a solid cash back card for business owners who want to earn rewards without worrying about specific spending categories. However, other cards may be a better fit if you'd like a higher reward rate or would prefer to receive your cash back in your bank account.
Read ReviewDec 11, 2025
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American Express® Business Gold Card Review

The American Express® Business Gold Card from our partner rewards you generously for spending in select business-related categories and booking trips through American Express® Travel. Plus, being a cardholder gives you access to several travel-related perks that can protect and enhance each journey. However, the card has a high annual fee, so you'll need to ensure you get enough value from being a cardholder to justify the ongoing cost.
Read ReviewDec 11, 2025
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