We have been conditioned by stores and banks that we “have” to purchase gifts, and expensive gifts at that, for friends and relatives for every possible occasion: Christmas, New Year, birthdays, anniversaries, weddings, baby showers, Mother’s Day, Father’s Day, reunions, retirements, graduations, housewarmings and more. The gift-giving expenses snowball, and …
Can we live without credit cards?
Yes. Really, we can. This is a question prospective clients often ask in one form or another. After all, if you file a bankruptcy petition, your credit cards would usually be cancelled by the banks, and you would have very limited access to credit while the case is open. Banks …
Free information for the public from the federal government (about credit reports, scams and more)
Did you know that federal government issues a lot of user-friendly articles and handbooks for the public? These are mostly free, and available via publications.usa.gov Articles and handbooks are available for download, and additionally you can order hard copies of some of the handbooks. They are available on a wide …
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