According to the Federal Reserve, Americans are drowning in debt with a record revolving credit balance of $975.2 million as of the end of 2007.  This works out to around $11,000 to $12,000 in credit card debt for the average household in the United States, a pretty staggering total.  Are you one of the millions […]

If you need to develop a savings account but don’t know how you’ll find the spare money, then you may need to look at your household budget. With a proper budget established, you’ll have enough money for your fixed monthly expenses and for your savings account. It’s very important to have a savings account. It’s […]

The holiday shopping season is here and with it, its inevitable companion, debt!  Who doesn’t overspend during the holidays?  Does it make it any better if that overspending is to the benefit of another?  We tell ourselves that it’s okay if our spending during the holidays is a little “out of control” if the end-result […]