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Life brings several opportunities to spend money and for most of us this requires a choice on how we are going to pay for what we buy. There are really only two options, borrow or use cash.  The choice you make for each type of spending will be a major factor in your long term financial success.
 

Being debt free is a goal for everyone who has any debt. Yet even though that is a goal for everyone, hardly any has a true plan to be debt free in the near future.  How can you reach debt free status? There are surprisingly several ways to become debt free that don’t have to be that painful.
 

Home improvements are not all equal.  Some provide more value for resale than others. However resale value is not the only criteria that should be used to determine the projects to complete. Deciding which home improvement projects make financial sense is not an easy task.

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