How to Recover from a Holiday Shopping Binge

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When my husband and I were just married (and beyond broke), we only bought very small presents for each other and some presents for my mom that were within our budget.  However, when we got home for Christmas, my mom was beaming with pride as she showed us the many presents she had under the tree for us. Embarrassed by our small number of gifts for her, we went out shopping on Christmas Eve to give...

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Posted in: Credit and Debt

Dealing with a collections agency (or, remember to pay your bills!)

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Yesterday, I received a surprising phone call from a collections agency stating I allegedly owed $211 on a past Telus account (phone/internet/cable company). Naturally, I was somewhat shocked – I’m a personal finance blogger, how the hell am I being contacted by a collections agency? I have never missed a payment on, well, just about anything! After I got over the initial adrenaline burst...

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Posted in: Credit and Debt

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