Credit Cards, Mortgage Rates & Personal Finance in 2026
In 2026, the financial landscape is defined by a slow but steady recovery. After years of aggressive hikes, interest rates are cooling, making it a pivotal year for borrowers to deleverage high-interest debt and lock in long-term rates. Strategic personal finance is no longer just about saving—it's about navigating a market where a 0.5% difference in your mortgage or credit card APR can mean the difference between a growing net worth and financial stagnation.