Today’s top story: Employee loans as alternatives to payday loans. Also in the news: 3 savings strategies for holiday shoppers, the best Black Friday deals, and many people are still paying off last year’s holiday debt.

Short on Cash? Employee Loans Are Alternatives to Payday Loans
78% of working Americans live paycheck-to-paycheck.

Outsmart Other Holiday Shoppers With These 3 Saving Strategies
Your phone is your ally.

Best Black Friday Deals for 2018
Holiday strategies.

It’s the holidays already? Many are still paying off credit card debt racked up last year
It’s ok to use credit cards, but they need to be paid off promptly.