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Product Review: 'The Agency,' 'Wild Cherry,' and More: See What's New on Paramount Plus in June 2026
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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 rates than the [XX%] you're giving me now.
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June 1, 2026
Costco reported record gasoline sales in its fiscal third quarter, showingfuel's growing role in driving customer traffic and revenue.
Lower fuel prices relative to competitors, expanding station capacity, and increased consumer price sensitivity likely contributed to the surge.
Executives said gasoline sales volumes reached an all-time high even aseconomic uncertainty continued to pressure household budgets.
Since the start of the Iran war, gasoline has gotten very expensive. However, its cheaper at Costco.
In a nutshell, that may explain why Costco sold a record amount of gasoline during its fiscal third quarter, a milestone that reflects both the retailer's growing fuel business and consumers' continued search for value amid economic uncertainty.
During the companys latest earnings call, company executives reported that gasoline sales volumes reached an all-time high for the period. The performance adds to evidence that fuel has become an increasingly important traffic driver for the warehouse club operator, helping attract shoppers who often make additional purchases inside stores after filling up.
Several factors appear to have contributed to the record-setting quarter. One of the most significant is Costco's longstanding strategy of pricing gasoline below that of many competing stations. As consumers remain sensitive to fuel costs, even modest savings per gallon can encourage motorists to seek out lower-priced options, particularly during periods of elevated driving activity.
The discount
Typically, Costco members can save up to 20 cents a gallon over the average gas station, according to industry estimates. However, in times of higher-than-normal prices at the pump, the discount can also be as much as 40 cents per gallon.
Costco has also continued to expand and upgrade its fuel operations. In recent years, the company has added new gas stations, expanded fueling capacity at existing locations, and extended operating hours at many sites. Those investments have reduced wait times and enabled stations to serve more customers, supporting higher sales volumes.
The retailer's membership model may also be playing a role. Because customers must generally hold a Costco membership to purchase gasoline, lower fuel prices can reinforce the value proposition of membership and encourage more frequent visits.
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