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 […]

While some are declaring that the recession is over, the good news has not trickled down to my pocketbook. My husband and I are looking closely at all our expenses to cut our overhead. Our wages have decreased in the last year, mostly due to the slow down in my business, but costs have continued […]

Plan Ahead to Avoid a Financial Holiday Hangover Does this sound familiar? You use credit cards for holiday shopping and plan to pay them off quickly. Months later, you are still paying the bills. Those “great deals” end up costing 10–20% more because of interest. Many Americans repeat this cycle every year. Financial experts call […]