Although health is more important than wealth, videos like the one above can provide some good basic information without trying to sell you something. One thing to always take into consideration is that the pennies do eventually add up. However, if you find your current job has you in a money quicksand, it may be time to change careers to one that's less stressful.
How the Heck Can a Person Change their Money Situation?
My first theory after learning how to save pennies (then dollars) is to learn how to enemy operates. While banks and other financial institutions aren't bad people or have evil intentions, many of their policies don't work in the favor of the consumer. Excellent examples of this are interest charges and miscellaneous fees.
Although the concept of second-chance credit is good for those recovering from extreme hardship, it shouldn't be a way of life. The thing is creditors don't always see it this way...either you pay off the balance or take a hit if you close the account. Unfortunately, if a consumer pays off the balance and closes the account, their credit rating takes the hit.
Right now, I'm trying to lower my credit interest rates with the intention of closing in the near future. While there may be agencies that will do this for you, I believe that if can heed simple instructions and maintain a follow-up schedule, this credit card closure method can serve you well.