4 smart things to do with your tax refund

With the average refund standing close to $3,000, you probably already started thinking of all the ways to spend your windfall.  Contrary to popular belief, not everyone runs straight to the mall...

How to declutter your life in 9 easy steps

Not everyone is a natural born neat freak. There are some of us who just seem to be surrounded by "stuff" everywhere we go. Whether it's stacks of napkins in the car, piles of paper waiting to be...

Young and broke: How to travel the world with little money

Want to explore the world but have limited funds?  Contrary to popular belief, you don’t have to be rich to travel.  You just have to plan ahead and think outside the box.  Yes, you’ll have to skip...

Feeling doubtful? 6 tricks to instantly feel more confident

Sometimes we're our own worst critic.  We see all these people doing wonderful things and we worry that we won't be able to measure up.  The reality is nobody feels confident 100 percent of the...

5 sleep tricks to doze off faster

A big part of living a healthy lifestyle is getting adequate rest.  Ideally, you want to doze off for at least 7 hours a day.  Unfortunately, 35 percent of adults aren't getting enough shut eye and...

Student loan program changes affect rates, repayment

In just a few weeks, thousands of recent high school graduates will pack up the minivan and head off to college. For many students, though, the thrill of embarking on a new adventure is tempered by the sobering reality of student debt. More than 60% of students borrow...

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Consumers rely on layaways to help with purchases

In today's economy, expendable cash is limited and people are hesitant to spend what they have. Consumers have changed their buying habits, finding creative ways to obtain items with less cash and limited credit. One such change is a resurgence of layaway. Blogs and...

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Help is out there for homeowners

From a busy office in Commerce, Calif., Isabel Duran sits at a desk with a heaping bowl of chocolates and counsels clients on the brink of losing their homes. The financial specialist talks on the phone to homeowners about options that will help them avoid...

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