Thursday’s need-to-know money news

321562-data-breachesToday’s top story: The excuses that are keeping you from being debt-free. Also in the news: A major data breach at Time-Warner Cable, smart ways to spend your tax refund, and why most Americans couldn’t handle a surprise $500 bill.

5 Excuses Keeping You From Being Debt-Free
No more excuses.

If you’re a Time-Warner Cable customer, you should change your passwords immediately
The first big data breach of 2016.

9 Smart Ways to Spend Your Tax Refund
Some are unexpected.

Most Americans can’t handle a $500 surprise bill
Living on the financial edge.