Tax refunds are not free money

Most of us are excited at the prospect of getting a tax refund and will dream of how to spend that money. But while it is fun to contemplate a spring break trip or simply blowing it on fun stuff, it is essential to remember that the IRS is giving taxpayers back money...

Apps can help those facing bankruptcy

Anyone who faces bankruptcy or has already filed understands how hard it is. It starts with some difficult decisions and then there is a follow-through that demands sacrifices (financial and otherwise) before a person rebuilds their credit rating. One modern...

The side effects of debt

Any person burdened by crippling debt faces many difficult challenges, but some look at it as an illness that never completely goes away. Like an illness, debt can come with many side effects that can even manifest themselves in physical pain and suffering as well as...