Are You a Credit Junkie? Millions of Americans rely heavily on credit, including the government itself. A “junkie” is not just someone addicted to drugs. The term also describes anyone who depends too much on something. For many people, that dependency comes from using credit to buy things they cannot afford. Credit feels harmless at […]

I’ll admit right away — I miss college. I miss the friends, the freedom, and especially the parties. What I don’t miss is all that credit card debt that once accumulated! I’m smart enough to stay away from those “free” t-shirt deals now, but it took me a while to get a good game plan […]

The Power of Saving Just $5 a Day This story comes from one of our favorite bloggers at No Credit Needed. It shows how small actions can lead to big results. In 2005, while working hard to get out of debt, the blogger tried a simple experiment. Every day for one month, he sent just […]