You have to be really smart when opting for payment plans. Many would appear to be affordable with the first glance since you might be thinking of the impact of each payment to your paycheck but you also have to consider the overall impact on your...

Do you buy everything with your credit card? As I've learned, there are some pros and cons when using a credit card so I've figured out a way to optimize the use of cash or card for my purchases. I get some perks using my card - points, flier miles,...

Every financial planning book would tell you that one of the first things that you should do to rake in wealth is to free yourself from debt. Many would also say that you should do it in the quickest time possible. That often means that you place a...

The hard and fast rule is to get yourself out of debt and stay clear of it. However, circumstances may force you to take out a loan. Not everyone can purchase a home outright and might have to take a mortgage. However, before you opt to get yourself into...

Conventional personal finance wisdom has it that you should be debt free and one way to prevent acquiring debt is to get rid of all of your credit cards. A concession is to have at least 1 credit card for those choice emergencies like when you need to...