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Why a big tax refund isn’t a bad thing

So I’ve been struggling for a while with the idea of discouraging big tax refunds.  Every time it comes up, people get all fired up that they don’t want to give an interest-free loan to the government, which is, of course, exactly what a tax refund is.  They’re...

Personal finance Q&A #1: paying bills late

First ever Q&A!  E-mail me with your questions! Q: I heard that companies like it if you pay your bills late.  Is that true? A: Of course they like it!  They can charge you crazy exorbitant interest and late fees if you carry a balance with them.  What’s good for...

Freezing kids’ credit

When I started my business two years ago, one of the first things I was going to do and report back on was freezing my kids’ credit files.  It had been on my mind for a while, ever since someone I knew personally had had an experience with her child being a victim of...