If you are anything like me you have done two things this holiday season that may spell doom for you in 2008.  The first is you waited to the last minute to holiday shop and now have nothing but fruit cakes and Christmas Tree air fresheners to give to your loved ones as gifts this […]

With holiday spending in full swing so is its evil stepsister, credit card spending.  Recent stats by the National Retail Federation show that the 2007 holiday season is off to a record start with recent “Black Friday” sales by US shoppers rising 8.3% to a record $10.3 billion.  Figures for the following “Cyber Monday” shopping […]

Your credit score is an important part of your financial future.  If there have been blotches on your credit score in the past, you may want to start working on fixing them before they become stains.  Take advantage of the Fair Credit Reporting Act (FCRA) to get a copy of your credit report (free!) so […]