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To me, this is by far the hardest thing about being in debt: listening over and over again as family, friends, experts, and everyone tell you that you not only need an emergency fund, but you need to grow your savings account. I don't know if I speak for you all or not,...but I KNOW!!! Don't ya think...

So you have expensive taste? You enjoy the finer things in life? Does this sound like your life; you are basking in the sun on the beach in the Caribbean. The sun is starting to set and you have a bottle of the most expensive Champagne beside you on ice, and you are getting a nice massage on the beach...

Come July, I'll have completed three years in CareOne's Debt Management Program . And by next July - if not sooner - I will be graduating! For those of you with me, those who are getting closer and closer to the goal of wiping out this debt, please take a moment with me and enjoy the feeling of knowing...

The smells of freshly-cut grass, ground dampened by a sprinkler, and smoke rolling off of a hot grill mean that summer is finally here. I LOVE this time of year! In my neighborhood, summertime means the gathering of neighbors a couple of times a week for cookouts. We rotate the location, and we do it...

Call it what you will - "rainy day jar," "emergency fund," or just simply "savings account" - it's no secret that having a reserve of cash socked away is a smart idea. I have tried and tried over the years to establish a solid method of savings, but for various and sundry reasons I've come up short....

Your final payment has been made, and you've contacted your CareOne representative to let them know you will be finished with your plan. Wow! You are officially debt free! It's so exciting that you can hardly contain yourself. That one payment you had been struggling to make for years is now yours -...

After eating at restaurants quite frequently during my family's trip to Florida last month, I came to the realization that the food I got at restaurants was almost always inferior to what I can make myself, but it costs a lot more. Have you ever wondered who is cooking the food at your favorite restaurant...