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In a perfect world, you would be consumer debt free. You wouldn’t finance a car in a perfect world, much less your new state of the art stationary bicycle. The truth is that the overwhelming majority of households do carry consumer debt. This not only impacts your future, but your present ability to spend as … more »

Hi there! I am a 32 year old woman who has no credit established. It is so embarrassing to me that I can’t get a loan or credit card in my name, so I decided 3 months ago to open an account to build my credit. Was that a good idea? There are a few … more »

The Holidays are Coming We’re starting to slowly see the holidays coming into focus. Soon festive commercials will be on repeat and stores will be full of holiday decorations. Especially considering how rough this year has been, it’s going to be even harder to not buy, buy, buy to fully experience the comfort of the … more »

Not much. It’s that simple. We as human beings don’t need much to survive: water, food, shelter and love. We don’t really need fancy cars and huge homes, boats and electronics, designer clothes and watches and we certainly don’t need most of the items we acquire. Nothing has become more apparent in our current situation. A … more »