...but am climbing back on. Well, I've been trying to accomplish a couple of goals in these last few months -- one was not to incur any more consumer debt, and the other was to get some stuff fixed around my house. It turns out that I over did it on the latter, leading me to fail at the former. I...

Hi Everybody, Credit cards are toxic when they get the better of us. I speak from experience. At one time, I had about 14 different credit, dept. store, and gas cards with a balance of several thousand dollars. Now, I am debt free and I'm coaching people to avoid and get out of credit card debt....

Use every spare dime and dollar that you can to get rid of the Old Navy card as soon as possible, then use that monthly payment to agressively pay down the other card. You'll be surprised at how fast it will disappear if you hunker down and get it paid off. Then like Walt said, put it away and don't...

If you Google "attention deficit disorder" you'll get 3,150,000 returns. Leading the pack is the Attention Deficit Disorder Association . As near as I can tell, it was about 1980 when doctors first started talking about people who had "attention deficit disorder". Move forward...