I have been writing for months that people with solid jobs and a history of paying their bills on time can refinance and save some money -- if they are willing to do a little bit more work than they have in the past. But apparently, I have been downplaying that "do a little bit more work" that lenders are requiring borrowers to perform, in light of the housing bubble bursting. I am going to let ...

Do you find that money "slips through your fingers" or you're constantly surprised it runs out before the month?

To afford Nintendo Wii video game systems for her son and daughter, Cheryl Kingsley had to buy now and pay later. But she didn�t use a credit card. Instead, the Bear, Del., resident paid on installments the old-fashioned way � with layaway.

With credit easing a little bit and the economy strengthening, the once dependable method of lowering interest rates is working again. Here, we outline the steps to lower the interest rates on your credit cards so you can substantially lower your monthly payments each and every month...[Script Included]

A credit report is a little bit like a biography, but with only the financial details included. It has in it everything any potential lender would want to see about a potential borrower. All financial actions in the past are listed there.