Several times a year I inevitably get invitations in the mail to various events. They range from weddings to Tupperware parties. There are certainly standard protocols and etiquette on how to properly respond to these invitations and yet I have the most difficult time following them.

In general, you have two options for responding to an invitation, by mail or phone. First, I am the most unorganized person when it comes to mail. I will undoubtedly misplace or set aside the invitation after I read it. This often leads to me missing the deadline for sending in the RSVP. Secondly, am … Continue Reading

With credit card offers, car purchases, mortgages, and the variety of other things that put you in debt, it is very easy to get in over your head. One missed payment here, a few open credit cards there, and the next thing you know you can’t even qualify for a credit card at the Gap.

People with bad credit generally never plan on ending up that way. I know I didn’t. For me, it wasn’t so much that I couldn’t make any payments on time, I got hit by a few things I did not realize could hurt your credit score. … Continue Reading