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Credit plays an essential role in how we live, work, and play in the 21st century. Few of us can buy a car or a home with cash, yet both are necessities if we want to travel to and from a job or have a warm place to de-stress at the end of the day. Credit lets us do both. And most of us need a major credit card to purchase services such as internet connection or cable TV.

Q: With 2020 drawing to a close, I’d love to give myself an end-of-year financial review before it goes. Where do I begin?

Are you trying to decide what’s better, checking vs. savings account? Ideally, you should have both. When used responsibly and customized to fit your specific needs, checking and savings complement each other. Combined, they make it much easier to manage your financial health. Here’s why.