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Either most of us are looking forward to that "debt-free day," or perhaps that day has come and passed. Wherever you may be in the journey, some (including myself) can be left with a bit of fear in regards to credit. I had a few fears, and perhaps they have run across your mind at one time or another...

I feel that is a fair question in light of the fact that withdrawals from the savings account were often a monthly occurrence back before we paid off our debt. At times the withdrawls were intended to make the ends meet or avert the occasional emergency; but the reality was we were using our savings...

We are all familiar with "Baby Boomers," Generations "X," "Y," and "Z." However, you might not be so familiar with the "Sandwich Generation." The month of July has been designated as Sandwich Generation Month , a time to consider the challenges faced by those included in this group. The term refers to...

After completing a CareOne debt relief program , my husband and I had some things we planned to purchase. One in particular was a new bedroom set for our daughter who had completely outgrown her toddler bed. For months, we were planning to move her into the fully furnished guest room that had a queen...

I must give a huge "shout out" to my family for their support and for hanging with me for over four years as we made many sacrifices to get out of debt . It is possible to forget to say "Thank You," because the same people that you are thanking may actually have been part of the reason you are in debt...

One day, after being told we did not have the money for something, my four-year-old responded with, "Mommy, just go to the ATM." I quickly had a flash back to my parents asking me, "Do you think money grows on trees?" Well, of course I did not think money grew on trees, but perhaps I missed the point...

I was recently invited to a mother-daughter "Crafts Party," but when it comes to arts and crafts, I will be the first to tell you, I have NO talent or interest in this area. When we arrived, there were stations set up to make dollhouse furniture, jewelry, paintings, and other artsy items. I thought I...

Are you in control of it (your money that is)? Or is it in control of YOU? Money MAY be your master if . . . You spend compulsively You are not sure how much you spend or how much you owe You often pay bills with money earmarked for other things You take out new loans to pay off old ones Or Money CAN...

The ultimate objective when it comes to spring cleaning is to de-clutter, air out, and get organized. There are certain times of the year when you just feel the need to get organized, to clean up, and to clean out. It feels almost like a biological imperative. Without much thought on your part, the couch...

Discipline often carries a negative overtone; however, no one can deny it yields beautiful results. Depending on the era you grew up in, it could mean anything from a firm talking to, punishment or what we often hear today.......Time Out. When it comes to debt, I would have never looked at having lots...