This is the sixth article of the A-B-C's of credit and debt. Today is F for Free advice.

If you can get something for free, you should do it, right?

Well that all depends. Free beer - that sounds great! But a free puppy - well, that could be lots of fun. And it could be LOTS of work and cost you lots of money! It all depends on which one you end up with more of - fun or work. So, free isn't always great. And free isn't always free.

When it comes to financial advice, there's free ADVICE. And then there's FREE advice. Big difference!

There's been a lot of talk recently about the pre-paid debit card from financial celebrity Suze Orman. That's what got me thinking about this entire free advice thing. Let me say for the record that I'm not opposed to any of these financial "experts" you see on TV. They all have their areas of expertise. And I'm sure most of what they say is good, honest advice.


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This is the fifth article of the A-B-C's of credit and debt. Today is E for Empower.

So what is the reason for your money problems? So many people these days find it easy to blame something or someone other than themselves. "It's not my fault" they'll say. It's just so much easier to...

Blame your boss.
It's not your fault you didn't get that raise. Or work crappy hours. It's your boss's fault. They hold you back. They treat you poorly. Someone else gets the good hours, the promotions, the nice office. You, well you get the leftovers.

Blame the government.
Taxes are way too high. The Democrats don't know what they are doing. The leaders in your town and state stink too, right? If only they knew what it was like to be the little guy, the person who works hard and never gets ahead.

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