This is the time of year when many people look at their debt situation and shudder. They dream of what it would be like to be out of debt. And, if they're brave, they begin to plan a strategy to reduce the amount of debt they carry. They'll begin with high hopes. But many of them will quit before reaching their goal, disappointed, discouraged... >Full Story
Help! I am in Crisis! Take a deep breath: You will survive, you are not alone and... >more
Stand By Sixteen years old and in need of hope he was a hard-shelled... >more