There are few numbers that can make you feel prouder of your money-management skills than a strong credit score. And for good reason: Lenders use credit scores to determine everything from the interest rate on your mortgage to whether you qualify for the juiciest credit card rewards.

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In a world so full of misery and dread, it’s important that you take pleasure in the small things. So why not start by getting everything monogrammed?

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The end-to-end message encryption Facebook promised to Messenger users back in July has finally finished rolling out to everyone. Here’s how to enable it.

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iOS/Mac: You have a lot of excellent options for tracking your habits, but Habitify is one of the first we’ve seen that not only looks good, it also includes a charity donation when you do well.

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The hardware in Google’s latest phone, developed in house and using parts from flagging former flagship HTC, doesn’t look from the outside like a revolution. It is a 5-inch phone (or 5.5-inch for $100 more) with an 820 Snapdragon processor, a 1440 x 2560 display, up to 128GB of storage, and a fingerprint reader on the back. If you are confusing it with nearly every other Android smartphone released this year that’s okay. They’re all basically the same.

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