Get an Emergency Fund

Every financial advisor and debt reduction expert will say you need an emergency fund. Some like Dave Ramsey say you need $1000 in the bank before you start your debt reduction snowball plan. Others like Liz Pulliman Weston will say $500 is good. I agree with Ramsey in principle but the reality is most can […] (more…)

The Party?s Over

So a co-worker of mine mentioned that February tends to be a slow month for retailers because most Americans are recovering from the ?hang over? spending they did during the holiday. Credit usage during the holiday is as much apart of the holiday season as the Christmas tree itself. This is unfortunate. I say this […] (more…)