CreditShack.org

Politicians on a certain side of the aisle like to draw attention to the ‘injustice’ in the increasing gap in wealth between the rich and the poor. The wealthy, despite paying a disproportionately high percentage of their income to the government to fund welfare programs for the poor, manage to accumulate more money […]

Getting out of debt really boils down to this: you either need to spend less or earn more.
Because taxes take such a large bite out of your income and because your time is limited, it’s usually a lot easier to trim your expenses than to increase your income by the same amount.
Tightening your spending […]

I’ve long been an advocate of seemingly small changes in lifestyle that make big differences in getting out of debt and downsizing expenses. One small change you can make starting right now is to cut back on eating out, or even quit cold turkey. (You can still eat a cold turkey, just […]

There’s living below your means, and then there’s living below your means. Read here about a group of people that didn’t buy anything other than food and basic health & hygiene items for an entire year.
Unfortunately, idealism trumped intelligence in this experiment. One member of the no-spending group said, “It is about […]

No one starts life planning for financial chaos. So why is it that many Americans find themselves in the death grip of credit card debt?

Are you the type of person that has trouble living within a budget? Do you find yourself constantly making impulse purchases? Here’s a technique that has kept me from overspending.