More holiday shoppers this year are using cash or debit cards to avoid overspending with credit cards. But what about the rest of the year? Is it possible in a credit-dependent society to get by without plastic? “Credit cards are not necessary,” says Ed Fredericks, a finance professor at Pepperdine University. “Originally, credit was seen […]

You assume you’re being a savvy consumer by doing things like using coupons, getting free shipping with online purchases, and shopping in stores with no-hassle return policies. But are you really being taken for a sucker? There are plenty of programs and promotions out there that claim to save you money. However, retailers don’t come […]

Before you declare bankruptcy because you are stuck deep with several debts, think hard about such decision. There are good debt management techniques that you can opt to do to help you ease your way through your debts. The process is not easy. Financial problems are never easy. This is especially true if you owe […]