Rockin Robin SongFlying The Web For News.
RobinPost Logo Amazon Prime Deals





Consumer Daily Reports

Credit is increasingly used to meet essential expenses

By Mark Huffman Consumer News: More than half of consumers say short-term debt could take over six months to repay of ConsumerAffairs
August 11, 2026
  • 56% of consumers say it would take more than six months to pay off their short-term unsecured debts, including credit cards, personal loans, and buy now, pay later balances.

  • 55% are carrying credit card debt to cover essential expenses, and more consumers are holding those balances for longer periods.

  • Debt pressure is forcing some households to cut spending on basic needs, borrow more, and even delay medical care or reduce prescribed medication.


Consumers may be keeping up with their monthly bills, but a new survey suggests many are facing a much longer road to getting out of debt.

More than half of consumers 56% said it would take them longer than six months to repay all of their short-term unsecured debt, according to a new survey from the Achieve Center for Consumer Insights. That debt includes credit card balances, buy now, pay later loans, personal loans, and medical debt.

The findings come from a recent survey of 2,000 U.S. adults who have at least one active consumer debt account. The results point to continued pressure on household budgets as consumers contend with everyday expenses while trying to avoid falling behind on their financial obligations.

Credit cards are increasingly covering necessities

One of the clearest signs of that pressure is how consumers are using their credit cards.

Achieve found that 55% of consumers carry credit card balances because of the rising cost of essential expenses, up from 53% in the previous quarter. Meanwhile, 27% said they have carried credit card debt for essential purchases for more than six months, compared with 25% in the second quarter.

The survey also found that 52% of respondents are comfortable putting essential expenses on a credit card without paying the balance off immediately.

Nearly three in 10 consumers 29% said they have more debt than they can comfortably manage. Another 53% described their debt as manageable, while 18% reported having no debt.

There are also signs that progress on reducing debt may be slowing. About 33% of consumers said their total debt had declined during the previous three months, down from 38% in the prior survey. Twenty-two percent said their debt increased, while 45% reported no change.

Overall, 54% of respondents described their current financial situation as either poor or fair, while 35% called it good, and 11% said it was excellent.

Paying the bills but making sacrifices

Most households haven't stopped paying their bills. In fact, 88% of consumers said they were able to pay all or nearly all of their monthly obligations during the previous three months.

But staying current doesn't necessarily mean those payments are easy to make.

About 34% said making debt payments on time had been difficult or very difficult. Among those struggling to pay monthly bills, 66% blamed insufficient household income, 31% said they owed money across too many accounts, and 22% pointed to a mismatch between their paydays and debt due dates.

For some households, managing those payments means making significant tradeoffs elsewhere.

Among respondents who used financial stopgaps after falling short on what they owed, half said they reduced spending on basic necessities. Nearly one-third, 32%, took on additional credit card debt, 28% borrowed from friends or family, and 25% tapped short-term savings.

The financial strain is also affecting healthcare decisions. Among those respondents, 19% said they delayed or skipped medical treatment, while 11% said they skipped or reduced doses of prescribed medications. Eighteen percent missed at least one debt payment.

The findings illustrate an important distinction for consumers: Being able to make the next payment isn't necessarily the same as being financially secure. When debt used to cover everyday necessities sticks around for months, interest charges can increase the ultimate cost while leaving households with less money available for emergencies, savings, and other financial goals.


Consumer News: More than half of consumers say short-term debt could take over six months to repay

Photo By CNET


Posted: 2026-08-11 12:52:12

Get Full News Story On Consumer Affairs




More News From This Category
Consumer News: Want a career edge in the AI era? Build these human skills
Tue, 11 Aug 2026 19:07:16 +0000

As AI changes the workplace, experts say critical thinking, adaptability, and ethical reasoning could give college graduates an edge

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • Critical thinking, communication, adaptability, and ethical reasoning could become even more valuable as AI takes on more routine tasks.

  • Knowing how to use AI may become a basic workplace expectation, while knowing how to question and apply its output could set workers apart.

  • Experts say college can help students build durable human skills that remain valuable even as technology and jobs continue to change.


Artificial intelligence is changing the way people work, but that doesnt necessarily mean a college degree is becoming less valuable. Instead, the rise of AI may be shifting which skills employers value most.

As AI tools take on more routine tasks, workers may need to bring something technology cant easily replicate: the ability to think critically, ask the right questions, solve complex problems, and make thoughtful decisions about how technology should be used.

ConsumerAffairs spoke with Andy Chan, vice president for innovation and career development at Wake Forest University, who explained that durable human skills can give students an advantage regardless of what they choose to study. In an increasingly AI-driven job market, knowing how to use technology is only part of the equation knowing when, why, and whether to use it may be even more important.

Fostering human skills

Whether youre a recent grad just entering the job market, or a seasoned expert in your field looking for a new opportunity, Chan recommends fostering human skills.

The top of his list? Critical thinking.

AI can give you answers very quickly. But it still takes a thoughtful human being to determine whether it is answering the right question, whether the answer makes sense, and what to do with it, he said.

Id add communication, relationship-building, empathy, creativity, ethical reasoning, and self-awareness. And increasingly, I think adaptability, initiative, and patience are essential. Employers want people who can figure things out, work well with others, learn quickly, and actually get things done.

While these have often been referred to as soft skills over the years, Chan thinks this has always been a terrible description.

There is nothing soft about them, he said. In an AI-enabled workplace, they may actually be the hardest and most valuable skills to develop.

Combining AI and human skills

For many college students, learning how to effectively use AI has been a big part of their college experience. But balancing that with the human skills necessary for the workforce can be challenging.

Chan advises students not to take an either/or approach.

You absolutely need to learn how to use AI. But knowing how to use AI will increasingly become a basic expectation, much like knowing how to use a search engine, a spreadsheet, or a calculator, he said.

The differentiator will be what you bring to the technology. Can you recognize a problem worth solving? Can you ask a better question than someone else? Can you tell when the AI is wrong? Can you understand another persons needs? Can you persuade people, build trust, make a difficult judgment call, or come up with an idea nobody else has considered?

Chan explained that students can hone those capabilities from reading, writing, discussing difficult ideas, working with people who are different from you, trying things, making mistakes, reflecting on what happened, and having real experiences in the world.

You can learn so much from the experience, perspective, and wisdom of elders even those just a few years older than you, he said. College is an extraordinary place to develop those abilities. Students shouldnt outsource that precious opportunity to AI.

Taking your skills to the job market

Another factor that college students should consider is that the classroom may be the best place to start honing these skills for long-term success in the job market.

The great advantage of developing these skills in college is that they are durable, Chan said. Technologies will change. Jobs will change. Some of the technical skills students are learning today will undoubtedly become obsolete just as they have before.

But the ability to learn, think, communicate, collaborate, exercise judgment, and adapt will grow within you throughout your career. The stronger your foundation built in college, the higher your potential trajectory will be.

Preparing students for their futures

Though there is a great deal of fear around AI in business, schools, and society, Chan sees it as a great opportunity to develop students into more thoughtful people.

I believe that AI is actually making a great education and particularly the kind of broad education that develops the whole person, like we aspire to provide at Wake Forest University more valuable, not less, he said. The best college education should prepare students not just for their first job, but for a lifetime of work, learning, relationships, contribution, and change.

AI is extraordinarily good at helping us with the how. But human beings still have to wrestle with the what, the why, and the should.

Read More ...


Consumer News: Plant-based diets may not hurt athletic performance, study finds
Tue, 11 Aug 2026 19:07:15 +0000

New research suggests recreational athletes can swap meat for plants without sacrificing strength or endurance

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • Recreational runners performed similarly on plant-based and omnivore diets.

  • Resistance trainers saw no statistically significant difference in strength.

  • Researchers say longer studies are needed to understand the effects over time.


For people who exercise regularly, switching to a plant-based diet can raise an important question: Will cutting back on meat affect performance?

A new study from researchers at four universities suggests that, for recreational athletes, the answer may be no at least over the short term. The study found no statistically significant differences in endurance or strength when participants followed plant-based and omnivore diets for four weeks each.

The research comes as athletes and other active people navigate conflicting claims about whether plant-based diets can provide enough protein and calories to support exercise. Rather than looking at professional athletes, researchers focused on recreational college athletes who regularly used university dining halls.

Popular social media claims frequently spread misinformation that plant-based diets fail to provide enough calories or protein to meet the demands of exercise, researcher Peggy Policastro said in a news release.

The study specifically sought to test these claims by examining recreational student athletes who rely on university dining halls for most of their daily meals.

How researchers compared the diets

The study included 36 undergraduate students from Rutgers University, Stanford University, Vanderbilt University and the University of Reading in England. Sixteen participants were recreational runners, while 20 were resistance trainers. All exercised three or four times a week.

Each participant completed two four-week diet phases in randomly assigned order. During the omnivore phase, participants were asked to eat at least two servings of animal protein each day. During the plant-based phase, they replaced meat with at least two servings of plant protein, such as beans, tofu, or plant-based meat alternatives.

Participants tracked their food intake at least three days a week and were asked to maintain their usual exercise routines. Runners completed a 12-minute run, measuring how far they could travel, while resistance trainers completed three-repetition maximum tests for the chest press, lat pulldown, and leg press.

What the results mean for consumers

The runners covered an average of nearly 2,658 meters during the omnivore phase and about 2,622 meters during the plant-based phase a difference of roughly 36 meters. Resistance trainers had a combined strength measurement that was about 4% lower during the plant-based phase. Neither difference was statistically significant.

There were nutritional differences between the diets. Participants consumed about 71 grams of protein per day during the plant-based phase, compared with 103 grams during the omnivore phase.

The plant-based diet also contained more carbohydrates, fiber, iron, and calcium, while the omnivore diet contained more saturated fat, cholesterol, and vitamin B12. Reported calorie intake was similar.

This is important because it shows that everyday athletes can safely choose plant-based foods without worrying about harming their fitness or strength goals, Policastro said. These findings provide evidence-based support for colleges to comfortably expand healthy and environmentally friendly plant-based menu options for their active student populations.

However, its also important to note that the study was small and lasted only eight weeks. The researchers noted that it cannot determine how plant-based eating might affect elite athletes or performance, muscle development, and recovery over months or years.

Read More ...


Consumer News: More sleep could mean better grades, study finds
Tue, 11 Aug 2026 19:07:15 +0000

A new experiment suggests small incentives may help college students sleep longer and perform better academically

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • College students in a new study increased their sleep by about 19 minutes a night when offered small financial rewards for meeting a seven-hour sleep goal.

  • Students who received the sleep intervention saw their average course performance increase by up to 0.089 grade points.

  • The biggest academic benefits were seen among freshmen and in STEM courses, while students also spent less time on screens at night.

Pulling an all-nighter to study may feel like a necessary part of college life, but new research suggests that getting more sleep could be a better strategy.

A study published in the Journal of Political Economy looked at whether encouraging college students to get more sleep could also improve their academic performance. At the start of the study, participants slept an average of just 6.6 hours per night, and only 43% were getting at least seven hours on weeknights. More than 85% missed that seven-hour mark on at least one school night each week.

Researchers wanted to see whether a relatively simple intervention could help students change those habits and whether the extra sleep would translate into better grades.

How the sleep experiment worked

The researchers conducted a field experiment involving more than 1,100 university students in the U.S. Participants' sleep was tracked using Fitbit devices, while a custom smartphone app provided bedtime reminders, morning feedback, and for some students, financial incentives.

Students in the primary incentive group could receive about $4.75 per night for getting at least seven hours of sleep, with their sleep verified through the Fitbit trackers. The researchers also tested different combinations of reminders, feedback, and incentives, including immediate versus delayed rewards.

Participants completed weekly surveys covering areas including how they spent their time, stress, and mental health. They also completed tests involving creativity and quantitative problem-solving, allowing researchers to examine whether changes in sleep were accompanied by changes in other areas of students' lives.

Students slept longer and their grades went up

During the four-week intervention, the share of weeknights when students got at least seven hours of sleep increased by 26%. On average, students slept about 19 minutes longer each weeknight. Some of that improvement stuck around after the incentives ended, with students still sleeping about eight additional minutes per night.

Academic performance improved, too. Students receiving the primary intervention earned semester course grades that were 0.075 to 0.089 grade points higher on average.

The effects were concentrated among freshmen and were particularly noticeable in STEM courses and classes held around midday. Students also developed more regular sleep schedules, reduced nighttime screen use, and shifted some studying from late evening to morning without changing their overall study time.

For students trying to balance studying with everything else college demands, the findings suggest that sacrificing sleep isn't necessarily the best way to squeeze in more academic work.

Our results show that helping students sleep more and sleep better can boost academic performance just as effectively as traditional academic interventions, but at a fraction of the cost, researcher Osea Giuntella said.

Read More ...


Consumer News: New Mexico court victory puts Meta under mounting legal pressure over child safety
Tue, 11 Aug 2026 16:07:13 +0000

The latest order brings Meta's total liability in the New Mexico case to $942 million

By Mark Huffman of ConsumerAffairs
August 11, 2026
  • Meta now faces $942 million in penalties and court-ordered remedies in New Mexico after a judge found its platforms constituted a public nuisance that harmed children.

  • Meta says it disagrees with the ruling and plans to appeal, maintaining that it works to protect young users and that the case misrepresents its safety record.

  • The decision could have consequences far beyond New Mexico, giving states a potential roadmap for using consumer-protection and public-nuisance laws to challenge how social media platforms are designed.


Meta is facing one of its most consequential courtroom defeats over child safety after a New Mexico judge ordered the Facebook and Instagram parent company to pay an additional $567 million and make changes intended to reduce harms to young users.

The latest order brings Meta's total liability in the New Mexico case to $942 million, following a $375 million jury verdict in March. New Mexico became the first state to prevail at trial against a major technology company in a case accusing it of misleading consumers and endangering children.

The financial penalty is substantial, but the potentially bigger threat to Meta is what the case could mean for the way its products operate and for similar lawsuits elsewhere.

What the court ordered Meta to do

The latest ruling came from Judge Bryan Biedscheid following the second phase of New Mexico's case. The court concluded that Meta's platforms constituted a public nuisance and contributed to harms affecting children and the wider community.

The $567 million is intended to fund efforts addressing those harms. According to the Associated Press, about $420 million is earmarked for youth treatment services, while additional money will support prevention and other programs. The ruling also calls for reforms involving age verification, addictive platform features, and measures aimed at combating child sexual exploitation.

That comes on top of the jury's March verdict.

After a lengthy trial, jurors found Meta liable under New Mexico's Unfair Practices Act for unfair or deceptive and unconscionable trade practices. They assessed the maximum $5,000 penalty for each of 75,000 violations, resulting in $375 million in civil penalties.

The state's case relied on internal Meta documents, testimony from former employees and experts, and evidence concerning how Facebook and Instagram operate. New Mexico argued that Meta knew about risks involving child sexual exploitation and young users' mental health while publicly portraying its services as safer than they actually were.

Meta plans to fight the ruling

Meta isn't conceding the case.

The company says it will appeal the latest decision and has defended its efforts to protect young people online. Meta maintains that it works to remove harmful content and bad actors and disputes New Mexico's characterization of its safety practices.

That means the $942 million liability and some of the court-ordered changes could remain tied up in litigation.


New Mexico court victory puts Meta under mounting legal pressure over child safety

Photo By CNET

Read More ...


Consumer News: Don't trade in your car until you know this number
Tue, 11 Aug 2026 16:07:13 +0000

Getting an independent appraisal first could put hundreds (or even thousands) in your pocket

By Kyle James of ConsumerAffairs
August 11, 2026
  • Knowing your car's Actual Cash Value (ACV) before visiting the dealership can keep you from accepting a lowball trade-in offer.

  • Getting a quote from CarMax, Carvana, or Kelley Blue Book gives you valuable leverage when negotiating your trade.

  • Negotiate your new car purchase and trade-in separately so it's easier to see where the dealership is making its profit.


Trading in your current vehicle is one of the easiest ways to lower the cost of buying a new one. It's super convenient, saves time, and lets you drive away without the hassle of selling your car yourself.

But that convenience can come at a price.

One of the smartest things you can do before walking into a dealership is find out your vehicle's Actual Cash Value (ACV), which is the amount your car is worth in today's wholesale market based on its age, mileage, condition, and local demand.

Without knowing your ACV, it's difficult to tell whether a trade-in offer is fair or whether you're leaving money on the table.

Why dealerships want your trade

Trade-ins are valuable to dealerships.

Some vehicles are resold on the dealer's used-car lot, while others are sent to auction. Either way, dealerships generally try to acquire vehicles for significantly less than what they expect to sell them for after accounting for reconditioning, transportation, and other costs.

That's why your trade-in value is an important part of the overall negotiation.

A lower trade-in offer can improve the dealership's profit on the entire deal, making it just as important as negotiating the purchase price of the new vehicle.

Get a third-party quote first

Before visiting a dealership, get an offer from at least one independent buyer.

Companies such as CarMax, Carvana, Kelley Blue Book Instant Cash Offer, and Edmunds can provide an estimate (or even a firm purchase offer) that gives you a realistic benchmark.

You don't necessarily have to sell your vehicle to one of them.

Instead, youll want to use the third-party number as leverage with the dealership.

If your dealership offers $18,000 but CarMax offers $20,500, you now have objective evidence that your vehicle is worth more.

The bottom-line: Many dealerships will increase their trade-in offer rather than lose the sale.

Five smart tips to maximize your trade-in

  1. Negotiate your trade separately. Don't let the dealer roll your trade, purchase price, financing, and monthly payment into one conversation. Agree on the price of the new vehicle first, then negotiate your trade.

  2. Get competing offers. Even if you plan to trade your vehicle at the dealership, having two or three written offers strengthens your negotiating position.

  3. Know your ACVnot the retail price. Your trade isn't worth what similar vehicles are listed for online. Dealers generally value trades closer to wholesale prices after considering condition, mileage, and the cost of preparing the vehicle for resale.

  4. Clean your car before getting appraisals. A wash, vacuum, and removing personal items won't add thousands to its value, but a clean, well-maintained vehicle can make a better impression and help avoid deductions for condition.

  5. Don't reveal your trade too early. If possible, negotiate the purchase price of the new vehicle before discussing your trade. Keeping the two transactions separate makes it easier to compare offers and see where the real value is.

Read More ...


Related Bing News Results
Consumer Reports: Give your pet a flea-free summer
Thu, 06 Aug 2026 17:05:00 GMT
For pet owners, few problems are more frustrating than a flea infestation. It often starts with a dog or cat that won’t stop scratching, but before long, fleas can spread throughout the home and ...

Consumer Reports retests protein powders, finds safer options
Wed, 18 Feb 2026 17:22:00 GMT
USES THESE SUPPLEMENTS. HERE’S MARISSA TANSINO. LAST FALL, CONSUMER REPORTS TESTED DOZENS OF PROTEIN POWDERS AND READY TO DRINK SHAKES. WHAT THE LAB FOUND RAISED RED FLAGS MORE THAN TWO THIRDS ...

How Much Lead Is in Protein Powder? Consumer Reports Shares Latest Findings
Tue, 13 Jan 2026 02:01:00 GMT
Consumer Reports released new findings after testing five reader-requested chocolate protein powders for lead and other heavy metals. The nonprofit organization previously revealed in late 2025 that ...

Consumer Reports |Experts warn against daily use of protein supplements
Mon, 20 Oct 2025 22:57:00 GMT
Protein powders and shakes are more popular than ever, often touted as workout fuel or even meal replacements. But a new Consumer Reports investigation reveals a hidden risk: some of these supplements ...






Blow Us A Whistle


RobinsPost Print On Demand Refund Policy With Printify
Printify

Related Product Search/Búsqueda de productos relacionados

Amazon Logo