Sandy Smith

A few years ago during the big mortgage meltdown, I became a homeowner for the first time. Although I purchased...

Since last year, I’ve changed the focus of this site from speaking about my experiences with debt to helping others...

If you've made the mistake of thinking that a 401(k) loan and a hardship withdrawal are exactly the same, boy,...

Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life...

While I was working my way out of debt, I tried just about every method that I heard of to...

I had a conversation with my brother the other day that inspired this post. We were talking about my mother’s...

Whether we like to admit it or not, credit cards have become a necessity. But all credit cards are not...

When trying to work your way out of debt, seeing the light at the end of the tunnel can seem...

This is a stock photo of my car, the 2013 Ford Edge. It wasn't my first choice, but we'll get...

The American public is interested in eating better quality foods. The proliferation of "organic" foods and the success of specialty...

You’ve already heard everything that there is to know about improving your credit scores. Conventional wisdom says to pay all...

The new common language will be more simple and regular than the existing European languages. It will be as simple...