Has anyone ever tried the “adding good credit” technique? I did some research and everyone swears by it, but I’m wondering if anyone out there who has actually tried it can share if it helped or didn’t…

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We got paid today, but again, nothing will be able to go towards paying down any debt — justminimums still.
One of our cars decided to give us problems that totaled $400 to repair. And we just recently had to have it towed and repaired 2 months ago. Same symptoms and everything: check engine light and […]

If it seems like I haven’t started talking about how much debt I’ve paid off, it’s because I haven’t.  My emergency fund is back down to $8 due to a real bill that showed up unexpectedly. So the credit cards will just have to wait. I want to talk more about my discouragement and impatience […]