Credit
Times are tough! Income is down, expenses are up and cash flow is tight. It’s very tempting to skip out on a debt payment or a credit card bill to help free up the cash flow a bit, but are you sure you realize the impact that decision will have on your credit score? The Spend [...]
Budgeting
Financial difficulties like recessions, job layoffs or reduced salaries have a way of revealing how important it is to build a financial safety net. Having funds available for emergencies helps weather the inevitable storms of life and can get you through some difficult circumstances without incurring credit card debt. Here are some things to consider when establishing [...]