Falling behind on your Bills? Here are 6 Tips for Negotiating with your Creditors

The first thing that happens, unfortunately, when you start falling behind on your bills is that the people you owe money (i.e. your creditors and, oftentimes, debt collectors) start calling you nonstop. If you’re like most consumers, you probably put off talking to them and even avoid picking up … Read more about Falling behind on your Bills? Here are 6 Tips for Negotiating with your Creditors

The Importance of Saving

Spending and investing are part of the modern consumer culture, reinforced by Wall Street, Madison Avenue, and, yes, even Uncle Sam. Truth be told, our government doesn’t always encourage us to save, even though we’re saving less in real terms than we did at the start of the 1990s. During the bear … Read more about The Importance of Saving