Debt Solutions Blog

If you’re one of the people who is watching as jobs in your industry evaporate, no doubt you’re beginning to twitch. Job loss comes with two big stressors. First, there is the financial stuff that you need to figure out. Second, there is the emotional misery that you must wade… Read more

Who doesn’t love  good sale? But when bargain hunting, coupon clipping, or shopping as a hobby becomes the objective, you and your budget are likely headed for big trouble. Have you heard yourself say, “But it was such a good deal!”? Hmm. If you’re spending money on credit that you’re… Read more

Ever made a decision and then wanted to kick yourself in the butt? You’re in good company. It seems that when it comes to making decisions, we only look like we’ve thought it through. So much depends on our “cognitive biases”: the short-cuts we take to help us make decisions… Read more

Personal finance author David Bach is perhaps best known for his trademark phrase “The Latte Factor.”  In short, Bach suggests that by cutting out some of the small extravagances in our lives, like fancy coffees or lattes, people can save money for their futures, and with the power of compound… Read more

People equate financial freedom with being rich. What exactly is “rich” anyway? Ask a dozen people how much money they’d need to feel rich, and you’ll get a dozen different answers. Give them some money, ask them again, and watch the bar for “rich” rise. If, like me, you define… Read more

I’m a big believer in budgets. I’ve had one since I was about 20 years old. It’s changed a lot over time, but I’ve always had the guide firmly in place so I know what I’m going to do with my money. And so I know where I can “steal”… Read more

“Either you control your money or it controls you.” T. Harv Eker I grew up in a household where money wasn’t talked about. Which is unfortunate because both my parents are good money managers: they believe in saving, living within your means and not carrying consumer debt. However, not wanting… Read more

Being good with money isn’t just about making lots and lots of it. It’s about learning what to do when you get your sticky paws on it. There are heaps of people making big money who don’t have two red cents to rub together. Driven by emotion or determined to… Read more

There are a few subjects in personal finance as controversial, or at least in multi-opinion generating, as the question of who, when, and how much to tip. Is a 15% gratuity the standard for a restaurant visit? Is it 20%? How much should you tip the pizza delivery dude? Your… Read more

Credit card rewards programs can provide us with a nice bonus when used carefully. The downside is they can often tempt us to overspend and any bonus that we get can be quickly erased. Another point to keep in mind is that if you can’t pay the balance in full,… Read more