What is Personal Development?
We hear the phrase “personal development” all of the time. A friend who decides to radically change his or her life tells us “I’m working on my personal development.” Our therapist tells us “there are definite areas of your personal development that need work.” When you hear “personal development” your mind might [...]

One of the main reasons people have a hard time overcoming their debt is that they set unrealistic goals for themselves. Then, when meeting those goals is harder than expected (or nearly impossible), they get frustrated and all but give up. If you really want to pay down your debt, you need to learn to [...]

With all the talk about why credit cards should be avoided, especially for people whose credit history is questionable, I thought it might be a nice change to talk about the good that credit cards can do. Here are a few reasons not to get rid of every credit or charge card you have.
1. Charge [...]

Memorial Day is a day that is famous for more than its national importance. It is also famous because most of the major retail chains have huge Memorial Day sales! Summertime is rampant with sales—Memorial Day, the Fourth of July, Christmas in July, Back to School and Labor Day…The retailers will find any excuse to [...]

Over the last few months I have gleefully watched as my electric bill slowly but surely got cheaper and cheaper. While it’s sad that I am incredibly excited that my electric bill finally dropped below the one hundred dollar mark this month, I know that if I’m not careful it could climb back up again [...]

This might sound obvious, but did you know that one of the best ways to reduce your debt is to simply not add to it? It is amazing how many people agonize over their debt and continue to use their credit cards and take out loans! Sure, using a credit card and paying it off [...]