Need a debt consolidation program? You are not alone. Here are 5 tips on reducing debt that you can do right now.
1 – Knock Off Using Credit
If you haven’t done this one, then this is the place to start. Put the credit cards and line-of-credit checks under lock and key, and operate as if you don’t [...]

Credit cards are an alluring trap invented by our modern financial system.
 
Buying something using a credit card is not bad, IF you have the income to pay the credit card balance in full when the statement arrives, plus all your other bills.
 
But buying with a credit card because you don’t actually have the money, is [...]