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If rising costs have you overwhelmed, start with these five steps By Kyle James of ConsumerAffairs May 29, 2026 Carrie Joy, founder of WorkMoney, says the path to financial stability isn't a perfect budget it's a handful of small wins that create momentum. Many consumers spend hours hunting for deals but never make the phone call that could save them hundreds of dollars a year in interest charges. From canceling forgotten subscriptions to building a $1,000 "Life Happens Fund," these simple habits can help reduce financial stress and put you back in control. If it feels like your paycheck disappears faster than ever these days, you're definitely not alone. Many Americans are working hard, earning more than they did a few years ago, and still feeling financially stressed. Grocery prices remain stubbornly high and insurance premiums keep climbing. Not to mention that rent, healthcare, and utility costs continue to eat away at household budgets. To learn how consumers can stop feeling financially stuck, ConsumerAffairs spoke with money expert Carrie Joy, founder and CEO of WorkMoney.org, a nonprofit organization that helps more than nine million Americans navigate money. Joys approach is different from the typical financial advice that focuses on cutting every possible expense or creating a perfect budget. Instead, she encourages people to focus on building momentum through small wins that create a greater sense of control. Here are five moves she recommends making right now. 1.Make one phone call that could save you hundreds If Joy could recommend just one financial task for consumers to tackle this week, it would be surprisingly simple. Call your credit card company today and ask for a lower interest rate. According to a recent LendingTree survey, consumers who asked for a lower interest rate received an average reduction of about sevenpercentage points. Most consumers never even think to ask! On a $7,000 credit card balance, that can translate into roughly $400 to $500 in annual savings. That's a pretty solid return for a five-minute phone call. "They would rather keep you paying something than lose you altogether," Joy says. So theyll often help you out by giving you a lower interest rate. Not sure what to say? She recommends a straightforward approach: "Hi, my name is [your name]. I've been a customer for [X] years. I'm calling because I've seen other cards offering lower… [TheTopNews] Read More.2 days ago
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