Many people fear debt and want to be completely debt free. Owing money to anyone else forces you to pay them money before you can pay yourself and out of control debt can wreck your financial future. However, debt is really just a tool. Do we want to be free of cars, scissors, or butcher […]
Emergency Funds
Everyone suffers a bad day now and then. An emergency fund can make a bad day temporarily painful instead of a long term burden. Without emergency savings, people may need to resort to credit cards, payday loans, or worse! Let’s first examine why you, and everyone else, needs an emergency fund, then we’ll examine the […]