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Will The Same Work Ethic Be Allowed As The Economy’s Debt Grows? »

The current National Debt is over 9 trillion dollars. There is only so much debt an individual can take on and so it is true with a country. I personally believe that our country is in for a long hard stretch. Although it may not be as tough as the last depression [...]

Budgeting: Gas Saving Tips »

Gas prices are rising and charge cards are being used to cover the costs of filling up their tanks. But if you think that gas hurts when you are paying $4.05/gal, just wait till you try to pay off your credit cards balance at 18% or higher. A tank of gas that is [...]

What is a College Degree Worth to a 45 year old Woman? »

A college degree may not be worth the cost of obtaining it for some students. College Recruiters selling the value of education aren’t telling the whole story. Despite decades of lip-service to affirmative action, earnings of college educated women remain a discouraging 61% of those of their male counterparts’.
The reasons are complex, but [...]

Are you addicted to debt? »

American Personal Savings Rates

It’s no secret that we love to spend. Our personal savings rates have dropped into the negative range meaning that we are spending money faster than we can save it.
At the same time, the amount of consumer debt has increased dramatically over the last 50 years.
Just look closely at [...]

Can A Creditor Garnish My Paycheck? »

Well, yes and no. Yes, a creditor can garnish, but no, they can’t just start garnishing without going through a series of steps first. The first thing that has to happen is the creditor has to file a lawsuit. (There are two exceptions to this first step–the IRS [...]