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- 18 ways to save at Walmart (12 22 25)
18 ways to save at Walmart (12 22 25)
Sally McDonald
December 22, 2025
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💵 Today’s Top Stories
 | Test your Walmart shopping IQ. How many of these pro tips for saving money at Walmart did you already know? Read more. |
 | Clark shares his decades of wisdom to help you find the very best deal on every hotel room you book. Here are the five steps you should follow. Read more. |
 | Gas prices are on a one-way trip next year according to Clark. Find out whether we’re getting good news, what’s driving Clark’s forecast and his price-per-gallon target. Read more. |
 | Clark has christened this credit card as his favorite travel rewards option. Here are Team Clark’s other favorites along with an analysis of who should – and shouldn’t – get one of these annual-fee cards. Read more. |
🏠️ Today’s Current Mortgage Rates
According to Freddie Mac, 30-year mortgage rates are 6.21% and 15-year rates are 5.47% as of December 18, 2025. The following chart shows the 30-year mortgage rate trend over the last year.
✂️ Could the Fed Keep Cutting Interest Rates in 2026?
People hoping for more interest rate cuts in 2026 got some interesting news to end the year.
Inflation in November came in at 2.7%, below expectations and down from 3.0% in September. Core inflation, which strips out food and energy prices, was also lower than expected at 2.6%.
The Federal Reserve has already cut rates by a quarter point at its last three meetings. According to prediction markets, there’s currently about a 25% chance of another quarter-point cut at the Fed’s January meeting.
Lower rates would be welcome news for borrowers. 30-year mortgage rates were around 6.29% last week, and average credit card interest rates are close to 24%, making borrowing expensive.
President Donald Trump added to the discussion last week by saying he expects the next Fed chair to strongly support lower interest rates. Current chair Jerome Powell’s term ends in May 2026.
The Fed’s job is to keep inflation near its 2% target while supporting a strong job market. While inflation has recently come in lower than expected, there’s no guarantee that trend will continue.
The unemployment rate has risen to 4.6%, and recent job growth has been weaker.
Ultimately, future rate decisions will depend heavily on incoming inflation and employment data as the Fed works to keep prices stable and unemployment low.
📊 Stat of the Day
💳️ 60%: Approximate share of Americans who say cash or gift cards are “very” acceptable as holiday presents. (Clark says cash is a much better gift than a gift card.) Interestingly, 64% of adults ages 18 to 44 say cash is “very” acceptable vs. just 55% of those 45 and older.
💰️ Deal Alert: Today’s Top Deals
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🎙️ Podcast
It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, you waited until the last possible minute for your holiday shopping? Don't panic! The retailers think they have you right where they want you, charging the highest prices of the season. But Clark reveals the one trick they don't want you to know to find deep discounts in the final days before Christmas. Plus, Clark gives you his ultimate post-holiday shopping warning.
☎️ Need Money Help?
The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.
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