It is my opinion, that when Wal-Mart ended its layaway policy in 2006, it was a devastating blow to the personal finances of many lower-mid income Americans. I am open to your opinions and comments whether pro or con. I feel very strongly about this. I fondly remember my mother using Wal-Mart’s layaway...

After stressing for months over getting our budget in order, I think I see a light at the end of the tunnel. We have agreed on amounts and after tracking I believe they are realistic. My husband has applied for and been approved for a credit card. For the Dave diehards, this card has a low line of credit...

Does the word budget make your heart race and your palms sweaty? Do you want to run far away from having to budget? Maybe you have a phobia of money or maybe you just really hate to budget. Why does this word cause so many people to panic? It's not easy to budget. I have spent a couple months now...

Just when I'm going great, I have a mind-melt and go and spend a fortune on something daft. Yesterday it was $14 for a few ceramic cat buttons for my daughter. I wanted to treat her and had picked out a bag of candy-coloured buttons (I was checking out a fabric store I hadn't been to before)...