By Roslyn Lash Being in debt is not fun. In fact, it can be downright stressful! If you have so much debt that you can’t meet your bills, it will affect your credit score. About 35% of your credit score is determined by on-time payments.  So, if you are late […]

Consolidating Your Debt

According to the American Research Group in store shoppers are expected to spend an average of $929 for Christmas gifts in 2016.  Online consumers are expected to spend an average of $1,342.  Forbes reports that 63% of Americans have under $500 saved, however.  Nearly two-thirds of Americans cannot afford to […]

Reducing Holiday $tress