Credit has become an almost indispensable tool in our society.  Almost everyone uses some form of credit whether it is in the form of credit cards, car loans or mortgages.  Credit allows us to purchase goods and services by paying for them later which can be very convenient to buy big ticket items or stretch our monthly budget.  But credit can cause money problems if not managed wisely.  Money problems are often the immediate result of too much debt with unmanageable monthly payments.  … [Read more...]