Do you find yourself creating debt because it’s simply impossible to get by on the money you bring home? Are you avoiding saving because you can’t simply grasp the idea of life without ALL you earn to make ends meet? Are your parents attempting to persuade you into saving some of your hard earned… »»»

We were on a trip with some friends a few years ago when the subject of budgets, consumer debt and credit cards came up. We talked about this for hours. We stopped for lunch and as we were paying, my friend Mike asked me about paying for lunch with a credit card. We had… »»»

Borrowing has been around since the beginning of time. Using someone else’s money to purchase something turns you into a borrower. That debt then, must be repaid. The reason lenders let you borrow the needed money is because they make a profit from loaning it to you. They charge you interest. With that… »»»