No money down, 0% APR, no payments until next year.  These are all phrases that we hear a whole lot these days.  Consumer financing has become available almost anywhere for nearly anything.  It used to be that you could get financing for your house and car, but now you can even get financing for a [...]

If you have a high deductible health plan (HDHP), you may be eligible to create a Health Savings Account. Also known as an HSA, this is basically a special savings account that is used to pay for medical related expenses. The primary benefit of this account is that you can make contributions (or deposits) into [...]

What happens if you lose your job? There is a good chance you could be facing unemployment in this slowing economy. Here are some tips if you do end up getting your pink slip. Don’t panic! Stay calm and don’t get too down on yourself. Most lay-offs occur when big executives decide that they want [...]

We hear it all the time, recession this, depression that. If you are the average hard-working Joe, you don’t have too much to worry about unless you get laid off. If you do get laid off, I’ll be making a future post about what to do if you get laid off.  As long as you [...]

Having an emergency cash buffer is always a good idea to help keep you safe and protect your credit report in the event of an emergency.  Having a nice cash reserve will help you avoid having to take out a payday advance or use your credit card when you need fast cash to make a [...]