If you have tried to reign in your spending and get control of your unwieldy household finances, but still the credit card balance and other loans are heading upwards, you might be ready for a tool many governments and companies have used successfully – zero-based budgeting.

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Smarterbucks is a NEW and very intriguing program that gives you REWARDS points for buying merchandise. While that concept isn't ground-breaking, what is is the fact that these rewards can't be used for anything; instead, they can only be used to help pay down your student loans!

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When we think of investing, the first thing that comes to mind is often the stock market. However, it’s also important to invest in yourself. And one of the best ways to invest in yourself is to pay off debt.

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You may recall in my initial post about paying off your debt that I said January was going to be a month of educating and equipping you with information necessary to pay off your debt as quickly as possible. While the education will continue (that's what we're here for), it's now time to implement everything you've learned.

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If you find yourself at the Tim Horton’s counter and can’t pay until you roll up the rim to win, you might need help with your finances.

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