If there was ever a time to get serious about paying down your debt, that time would be now. With the economy in a tailspin, more and more people are finding it difficult (if not almost impossible) to pay their loan and credit card payments on time. This is making the banks and credit companies nervous and it is resulting in the tightening of their proverbial fists. They aren’t calling it a “credit crunch” for nothing.

Getting that first credit card can be a heady experience and you will probably be very tempted to run out and start spending. What’s the harm? You don’t have to pay it back for at least a month, right?

Believe it or not, going “green” isn’t just good for the environment; it is great for your wallet as well. We’ve all heard about how we need to stop using so much gas, shrink our carbon footprints and a dozen other environmentally striking “buzz phrases.” While saving the environment one person at a time is certainly noble, have you ever looked into the money you would save by going green?