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No
Money when Bills Arrive
 Scott,
I get paid twice a month. My first paycheck pays the mortgage and
the 2nd pays the rest of my bills. The problem is that I get paid on
the 1st and 15th. A lot of my debt is due between the 1st and the
15th. I have no choice but to pay late. Will my creditors change my
due date if I ask them to, if not, what else would you suggest?
Kay
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Your
Checking Account
 Checking
accounts are an absolute necessity these days. You can either have a
checking account or run to the bank or other outlet for money
orders. Many people pay for almost everything with a check including
groceries, gas, clothes and a long list of other things. When you
add an ATM card to this picture, your chances for a potential
problem is greatly enhanced.
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Money
is a Family Affair
 If
you are single and don't have kids this tip won't mean much to you.
For the rest of us that have others to consider when making money
decisions it just may make things a little easier.
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Chronic
Debtor Help!
 Scott,
If one is an alcoholic there are so many places to turn for help. If
there were a hospital for debtors I would check myself in
immediately. I tried going to Spenders and Debtors support groups
however, I was very discouraged by the fact that many people who
were there had multiple addictions (mainly drug and alcohol). It
didn't seem like an environment that would benefit me. Please
help!--Michelle
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Are
You Afraid of a Budget
 There's
that horrifying word. The one that makes so many people cringe at
it's very utterance. It seems like they could make a very good
spooky movie with the title "You Have To BUDGET!"
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Money
Worries?
 If
you are worrying about your money problems it's time to STOP IT NOW!
Easier said than done, huh.
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Budgeting
when Your Paycheck Varies
 How
can you decide how much you have for bills and expenses when your
paycheck varies from one payday to the next? That's a question a lot
of people struggle with.
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How
to Stick to Your Budget
 Let's
face it. The day-to-day drudgery of trying to figure out how to best
spend your money isn't the most interesting aspect of our lives.
Let me see if I can make the budget process a little more appealing
to you.
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Single
Stay-At-Home Mom
Do you think it is realistically
possible  for
a single Mom of a 15, 12, and 6-year old to stay home with her
children? I do not have a profitable skill, a degree or money in the
bank. All I know is that a tired, stressed-out mother is not what I
want for my kids. They deserve more of me.
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 Paying
Your Bills On Time
You've heard it before. "You always
have to pay your bills on time or it will hurt your credit
rating". The fact is that not paying your bills on time can
also cost you a bunch of money.
The last time I checked being late on a credit card payment can cost
you as much as $29 each time. In some cases this is more than the
payment.
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