With the holidays approaching, let’s say “No” to consumerism and giving gifts we can’t afford
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 …