A reader asks…

I am sick of spontaneous money spending and having nothing at the end of the month! I am fond of planning and now want to stricken my finances under powerful budged system.
What can you suggest to start from? Perhaps some tips, concepts or even software (I have both Mac/Windows) that you know and ready to tell about?
I will be grateful for any advice or personal experience! Thanks!

A reader asks…

HI, WOULD LIKE TO GET ASSISTANCE IN PAYING BILLS THAT ARE IN COLLECTION. I HEARD OF DEBT CONSOLIDATION BUT IM NOT SURE WHICH ONE IS THE BEST TO BEGIN TO PAY MY BILLS. I AM TRYING TO INCREASE MY CREDIT SCORE.

A reader asks…

i am interested in having my monthly credit card payments put into one payment per month. i was very close to trying this but backed out at the last minute out of fear of being screwed over by a debt consolidation company. can someone explain how these companies work? has anyone ever used one? is it helpful?