Shelly Warding

Shelly Warding is a rising personal finance expert who strives to help consumers improve their finances by making money easy to understand.

Joined: November 14, 2023
Articles: 43

Budget, Personal Loans

Fed Minutes Wednesday Detail the 9 to 3 Vote That Kept Prime at 6.75%

Morning sunlight on the marble columns of the Federal Reserve headquarters in Washington, with an American flag blurred in the background

The Fed publishes its July 28 to 29 minutes on Wednesday, August 19. The Committee held rates 9 to 3, three officials wanted a hike, and prime stayed at 6.75%.

Shelly Warding
August 17, 2026

Budget, Personal Loans

Treasury Pays 5.216% on 30-Year Bond, Costliest Long Debt Since 2001

The columned neoclassical facade of the United States Treasury Department building in Washington lit by warm late afternoon sun against a deep blue sky

Treasury sold $25 billion of 30-year bonds at 5.216 percent on August 13, the highest yield on long-dated federal debt since 2001, as bid-to-cover slipped to 2.39.

Shelly Warding
August 14, 2026

Budget, Credit Cards

Consumers Expect 3.6% Inflation in New York Fed Survey as July CPI Nears

A shopper in a grey sweater reaches toward a shelf of packaged groceries in a brightly lit supermarket aisle, leaning in to read a small price label beneath the products.

Households expect 3.6% inflation over the next year, the New York Fed's July survey shows, with three-year and five-year readings flat ahead of Wednesday's CPI report.

Shelly Warding
August 11, 2026

Budget, Personal Loans

July Payrolls Fall 23,000, Cooling the Case for a September Fed Hike

A nearly empty job fair hall late in the afternoon, with rows of folding tables, scattered empty chairs, and a few recruiters packing up banners as long shadows stretch across the concrete floor.

U.S. employers cut 23,000 jobs in July and revisions erased 103,000 more from May and June, pushing September Fed hold odds to about 60 percent. Prime holds at 6.75 percent.

Shelly Warding
August 8, 2026

Budget, Personal Loans

Core PCE Cools to 3.3% in June, but the Fed Holds Prime at 6.75%

Wide morning view of a neoclassical United States Federal Reserve headquarters building with a white marble facade, tall columns, and an American flag on a pole to the right under a clear pale sky

June core PCE inflation eased to 3.3 percent, its first cooling in months, but a divided Fed that held rates on July 29 keeps the prime rate at 6.75 percent.

Shelly Warding
July 30, 2026

Budget, Personal Loans

Fed’s Two-Day Meeting Opens Tuesday With Rate-Hike Odds Near 34%

The marble neoclassical facade of the United States Federal Reserve headquarters building in Washington photographed from the plaza with tall fluted stone columns, an American flag on a pole, wide granite steps, and a clear sky in warm late afternoon light

The Fed opens its two-day July meeting Tuesday with a rate hike a live possibility. Futures put hike odds near 34% as oil above $100 revives inflation fears.

Shelly Warding
July 27, 2026

Budget, Personal Loans

Oil Above $100 Drives Treasury Yields to 2025 Highs, Lifting Fed Hike Bets

Oil pump jacks silhouetted against a dramatic orange sunset over a wide Texas oil field with distant refinery lights

Brent crude topped $100 and the 10-year Treasury yield hit its highest since January 2025, lifting September Fed rate-hike odds to about 82% as prime holds at 6.75%.

Shelly Warding
July 24, 2026

Budget, Personal Loans

The 10-Year Treasury Yield at 4.55%: Why It Anchors Mortgages and Markets

A modern institutional bond trading floor with large wall-mounted screens displaying rising and falling line graphs as traders work at desks in the background under cool blue lighting

The 10-year Treasury yield settled at 4.55% on July 17, 2026. Here is what the benchmark is, what moves it, and how it sets your mortgage and loan rates.

Shelly Warding
July 21, 2026

Budget, Personal Loans

National Debt Crosses $39.5 Trillion, Adding $510 Billion in 59 Days

The neoclassical facade of the United States Treasury Department building photographed from a low angle in warm early morning sunlight, its tall stone columns casting long shadows against a clear blue sky.

The U.S. national debt closed above $39.5 trillion for the first time on July 16, 2026, finishing at $39.519 trillion after adding $510 billion in 59 days.