When something you use again and again is on sale, take advantage. This strategy doesn't apply to perishable items, and you don't want to buy so much more than you need just to get a deal, but if you know you're going to use a product eventually, it pays to take advantage of the cheaper price.

Knowing where you stand in your quest to accumulate enough money for retirement is an incredibly important part of the planning process.

Anything past 90 days constitutes 'severe,' but all late payments stay on your report for seven years if reported.

If you haven't gotten a raise in the past couple years for a job well done, it might be time to ask for one.