Have you received a collection letter or call from a bill collector for a debt you’ve never heard of before? Consumer debt is often sold by the original creditor to debt collectors or other financial agencies… sometimes the debt changes hands so many times that it is hard for a debtor to know who […]

Here are a few homemade Christmas gift ideas to help those holiday dollars go a little bit farther this year 1 – Cowboy Cookie Mix in a JarThese cookies in a jar are a great, simple and inexpensive gift idea.  Better than giving a plate or tin of the standard holiday cookies, consider this great […]

If you are like me, you want to give presents to everyone you know… after all, Christmas is the time for giving and nothing makes us feel better than to give.  But it’s just not possible to give gifts to everyone. So, not being able to buy something for everyone, we are left with the […]