:::: MENU ::::

How Many Credit Cards?


I have 5 credit cards. Why so many you may ask? Well, I started with one, got a large balance on it then got another to do a balance transfer. Needless to say…I didn’t pay off them off and I kept getting more cards to try to play the balance transfer game. Before I knew […]

My Debt Started With A Candy Bar!


As a freshman in college, there was a table set up in one of the common areas of campus. Sitting at the table were the largest and yummiest looking candy bars displayed ever so nicely. Now, to a hungry freshman right before an hour long lecture in Chemistry – those candy bars looked awefully good. […]