Today’s top story: How first-home shoppers can keep a cool head in a hot market. Also in the news: When debt relief does more harm than good, how to make a debt-free switch to cashless payments, and what to know before using buy now, pay later financing.

How First-Home Shoppers Can Keep a Cool Head in a Hot Market
Know what to expect, stick to your budget and priorities, and don’t let anxiety get the upper hand.

When Debt Relief Does More Harm Than Good
There are risks involved.

How to Make a Debt-Free Switch to Cashless Payments
Tracking your spending, using prepaid cards and setting low credit limits can help you avoid debt when you switch to using more digital payment methods.

What to Know Before Using Buy Now, Pay Later Financing
Look for high interest rates and fees.