Melissa Horton is a financial literacy professional. She has 10+ years of experience in the financial services and planning industry. Robert Kelly is managing director of XTS Energy LLC, and has more ...

Kristina Byas is contributor at Investopedia. As a personal finance expert, she has lent her insights and knowledge to numerous financial publications. Her articles have helped readers navigate the ...

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We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Dawn Reiss Life can be unpredictable, overwhelming, and just plain difficult.

Shelby Putnam Tupper is founder and creative director of Shelby Designs Inc., a small-but-mighty, full-service, customer-obsessed design consultancy.