By 
The average amount of debt that Americans accumulated during the holidays last year was over $1,300 (CNBC). This probably doesn’t seem all that surprising seeing as the holidays are when most retailers have their largest sales (e.g. Black Friday, Cyber Monday, countdown to Christmas shopping/clearance sales, etc.). The pressure from advertisers, the need to buy …
Credit 101
Credit can certainly be a very powerful tool in the modern economy we live in. It offers us the ability to leverage debt to fund our lifestyles and at times even provides better returns than if we were to not leverage debt at all. Most often that is experienced through credit cards and the preferential …