// Dave Ramsey says “…your credit score is not an indicator of winning financially. All it tells you is whether you are good at borrowing money and paying it back. That’s it.” He says you can still get a mortgage without a FICO score by jumping through a few hoops, but guess what? He says your old credit records are there for the world to see and that counts, too. When I think of someone without a FICO score, I… Read the rest

So far 2011 has been quite a struggle, but things are finally looking up for Mr. A's business. We've done some reassessing of business practices and found some areas that needed tweaking, and it seems to be having a positive effect.  Mr. A is gaining slowly with his business, and we expect he will finish out the year with a profit as he has every year since starting this business.  Summer is typically busier for Mr. A, and business has… Read the rest

Last year we managed to pay our credit card debt down from $23,587.53 to $15,541.76. That's a drop of $8045.00.  I thought today I'd take a few minutes to share an update on how we're doing on paying down our debt, because yes, in spite of the doggone money crunch we're experiencing, we are still working at paying down our credit card debt! I guess we're following some good advice: Stop worrying about how you got into debt and start… Read the rest