Pat yourself on the back. Government data show that in the face of the financial crisis, we have reduced our debt, cut our spending and, by one measure, boosted personal savings to the highest level this decade. So now that you’re back on track, how are you going to make the most of your hard-won […]

A couple of months ago, my former colleague Alice asked me if I had any advice to help make her more disciplined to be better with her finances. I told her that I thought she was a reasonably disciplined person, but that she needed to change her environment to make it more saving and frugal-friendly. […]

Your ability to get future credit is based on your past and current experience. • Do you pay your bills on time? On time payments represent 35% of your credit score, the largest single factor considered by the credit bureaus. The ability and willingness to pay on time tells any future creditor that you are […]