Summer is moving quickly and those too-too-early back-to-school catalogs are showing up already. Before the frost hits the plastic pumpkins, time to catch up on some recent work. Here are a couple of pieces I did for CreditCards.com, one of which made its way to the Money magazine website. That one has to do with sophisticated programs that advertisers use to follow your activities and purchases across different devices.

The other focuses on the kinds of folks who may need to toss their credit cards and live on cash — and how to do it.

More to come soon. Stay safe and enjoy summertime!