Christmas in July: How to Pay for Christmas

Most of us find it difficult, if not impossible, to finance Christmas out of December’s paychecks alone. That’s why in today’s installment of Christmas in July we’re going to discuss how to pay for Christmas. The Christmas in July series is all about planning ahead in order to avoid a … [Read more...]

Clarifying Credit (Part 3)

Over the last two weeks we’ve looked at several basic credit-related topics. Today we’ll take a final look at the finer details of credit by examining what factors influence credit scores and how to build good credit. How different parts of your credit history impact your credit score As noted … [Read more...]

Clarifying Credit (Part 2)

Last week we looked at the definition of credit and at reasons to have credit (even for individuals who strive to live debt free). Today we’ll continue our look at the finer details of credit. Requesting a credit report The Fair and Accurate Credit Transactions Act is a federal law that … [Read more...]

Clarifying Credit (Part 1)

Many of you know that my husband and I strive toward debt-free living. We avoid taking on new debt and we work hard to pay off our existing debt, which includes student loans, our mortgage, and a small amount we owe on my husband’s car. Though we’ve gleaned a lot of information about credit … [Read more...]

A Paradigm on Debt

I hear a lot about debt these days. Often the context is the national debt or the recent sequestration. The magnitude of these topics provides a momentary distraction from the debt my husband and I face. Since finishing college we’ve both taken steps toward debt-free living, which is an ideal we … [Read more...]