Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.

The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.

I write for people who are good money managers and want to know how to be even better stewards over their money.

Kids can and are a blessing. But plenty of people without kids live and die just as happy.

I usually find that my gut doesn't steer me wrong when it comes to my money!

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

Money may not be able to buy you love, but conflicts about it can certainly bankrupt your relationship.