Today’s top story: 3 times debt can be a helpful tool. Also in the news: How to buy stuff that lasts, how to plan for big expenditures, and how small daily purchases really affect your long-term finances.

3 times debt can be a helpful tool
When debt serves a purpose.

How to Buy Stuff That Lasts
Finding truly reliable and durable products isn’t always easy.

How to Afford Big-Ticket Items for the Year
If you need to make a big purchase this year, such as furniture or an appliance, plan around sales and your budget.

How Much Do Small, Daily Purchases Really Affect Your Long-Term Finances?
Your avocado toast or morning coffee is not to blame for your debt.