Paul Davis

There are two main roads to improving your personal finances: increasing income, and cutting costs.Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one.But cutting costs,...

It's no fun being in debt. Money shortages are always stressful and serious debt can emotionally drain you. And yet, while you'll find lots of advice about the practical aspects of debt management, there is precious little help available...

Did you know that many people retire broke? It's true. After a lifetime of hard work and having earned literally hundreds of thousands of dollars, they end up with nothing. So where did all their hard-earned cash go?

Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made. Impossible?

Some credit cards offer a cash advance option. But how good a deal is this? Not very. In fact, it can be downright expensive. Why? Because every time you use your credit card to withdraw case, more fees kick in: Cash advances can carry an...