Are you a committed, hardworking professional who was in the midst of projects you cared about when your company announced a change of direction that eliminated your job?

My 20 year old son will soon need to buy a car but he has no credit. What’s the best way for him to establish credit? I don’t know of any stores that will let him pay off a purchase without first checking his credit. Are there still credit cards that will let him put some money on hold in order to back any purchases he might make? How do I find them?

Unless you use a local bank, your bank probably creates all sorts of unfair bank charges and other policies like excessive overdraft fees. And this is just one reason that your bank’s policies stink. Here are five bank policies that should be changed, and changed immediately.

I didn’t realize how much I was going to learn, personally, when I asked you all for your New Year’s resolutions. I thank you for giving me so much to think about this year. I will be adding many of your resolutions to my own. The resolutions everyone submitted seem to fit into different categories. Each of the resolutions discussed below is a grouping of many submitted by DebtSmart Readers.

Let’s face it. The day-to-day drudgery of trying to figure out how to best spend your money isn’t the most interesting aspect of our lives. Let me see if I can make the budget process a little more appealing to you.