Timing is everything when it comes to saving for the holidays. The longer you have to build up cash reserves, plan your budget and buy gifts at the right price, the better you can cover these seasonal costs without going into debt. Avoiding debt around the holidays can save you from a spending hangover in … Continued

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At Lamps.com, you can purchase a modern chrome floor lamp for your home for $178.95. If that sounds steep, keep reading. Underneath the price, there’s an alternative. Instead of paying $178.95 now, you can choose to pay in four interest-free slices of $44.74 — one upfront and the rest every two weeks. This doesn’t affect … Continued

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Bernadette Joy and AJ Maulion How much: $309,800 in 3 years Bernadette Joy Maulion, 34, went to business school part time after a career in human resources, hoping to start a new chapter in her professional life. School wasn’t cheap, and she took out $72,000 in student loans. She and husband AJ, 37, had a $57,000 … Continued

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