Here is a newsflash folks, Christmas, is coming.  I used to spend a whole lot more on gifts every year than I do now.  I also used to do it by swiping my credit card.  I am working hard to be debt free so the credit card thing is in my past.  Now in October [...]

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1757?  The date is now one of the most significant dates to me when I think of credit and debt.  Benjamin Franklin wrote “A Way To Wealth” .  This essay which is approximately 5 pages, made me feel like I had made so many stupid choices for the lack of education, that I felt ill [...]

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