7 subscriptions you can cancel now (12 30 24)

Author

Anthony Hazzard
December 30, 2024

The Christmas shopping season may be over, but there are a couple of reasons why it is a great time to head back to the stores. Learn more later in this email. 

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🏠️ Today’s Current Mortgage Rates

According to Freddie Mac, 30-year mortgage rates are 6.85% and 15-year rates are 6.00% as of December 26, 2024. The following chart shows the 30-year mortgage rate trend over the last year.

🛍️ Retail: How To Navigate Post-Christmas Return Season

Christmas shopping season is over. But it’s a great time to head back to the stores for two reasons:

  1. To shop clearance discounts

  2. To return and exchange gifts

According to Consumer Reports, these four tips will maximize your chances at a smooth gift return:

  • Keep the receipts (or ask the giver for the original if possible).

  • Check the return policy including store time limits.

  • Bring your ID.

  • Don’t open the box if you can (you can be charged a restocking fee or denied altogether for items like software, CDs and DVDs).

Consumer Reports listed 16 of the best companies for flexible post-Christmas returns and eight companies that are no bueno.

Some of the best companies for returns: Amazon, Costco, Home Depot, Lowe’s, Macy’s, Target and Walmart.

Some of the worst companies for returns: Apple, Best Buy, Sears and Wayfair.

📊 Stat of the Day

💳️ $6,140: The average credit card debt per U.S. household. Making minimum payments, it would take 17+ years to pay that off. Louisiana, Mississippi, Oklahoma, West Virginia and Alabama have the longest payout times. Massachusetts, California, Minnesota and New Hampshire have the shortest.

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🎙️ Podcast

Here are this year’s top Clark Stinks segments, where listeners share their feedback, and Clark responds with his usual honesty and humor.

☎️ 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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