The festive season is here again! Everyone, including you and your immediate family, is in a holiday mood. Oftentimes, this mood, along with its temptations to overspend and overindulge in everything you think and feel, will heighten your merry-making plans. Of course, gift-buying tops the list for many. In this year’s holiday season, according to the National Retail Federation, it’s …

When paying debts, you need to make a plan and address the most pressing debts first. When doing so, be mindful of how debt affects your credit score which, in turn, impacts your ability to rent an apartment, negotiate interest rates, and secure loans. Make a Debt Repayment Plan You need to develop a payment plan which determines how much …