It would be nearly impossible to function in today’s world without using a credit card from time to time.  And so long as we pay the balance off each month – that convenience comes our way free of charge – and who doesn’t like free? But carrying balances on our credit...

Look – debt is nasty stuff.  After the ‘shine’ wears off of the stuff you bought – the payments linger and begin to smell – bad – really bad.  Debt is a financial drag.  It shifts priorities away from the things that are most important (like our families) – to things...

Recently, my daughter and her husband undertook a complete – and expensive – renovation of their kitchen.  It was a long project – and with a toddler running around, the inconvenience of living without a kitchen was – well - a bit trying.  What made it worse was that...