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.

We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.

When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."

There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.

If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.

I understand and respect people who say they want to boycott the Trump brand. I also respect your right to buy his products. But what you miss is that no one in public office, Hilary or Trump should use that platform to profit themselves. In Trump's case there are serious concerns about the conflict of interest in his brand and business ownership. Do we really want a president who had products he can push while working for the American people?

We all fall - even me.