spend smart

Budget, now that’s a word we’ve all used at some point. Some of us have a budget that we actually take the time to create each month and…

The days when all prepaid cards nickel-and-dimed you on every transaction with a super-expensive fee are over. Cards that adhere to the…

Entrapment, in its most common definition, is luring a person into committing a crime by a law-enforcement agent. Communities of color are…

If you live in the projects, you don’t leave them much. Everything is right there: laundry, grocery store, check-cashing place — all setup…

“I don’t make enough money to save.” This statement is probably the most powerful statement an individual can make as it relates to…

The Structure of Your Emergency Fund As I mentioned in Part 1, it is important to have six to nine months of living expenses saved, but…

I remember the Detroit teachers’ strike in October 2006. I offered financial literacy courses to help them navigate those hard economic…

Debt is like a slippery slope--you can slide down very easily but if you want to climb back to the top it can feel almost impossible. High…

In every webinar, there will be at least five attendees who have concerns about dealing with creditors. With over 700 million credit cards…

Once, I was coming home from a trip and walking through the airport. There was an airline sales rep handing out applications for the…