Negotiation

I believe that budgets are a wonderful tool for really getting a good, close-up view of your financial picture. With a budget, it's easy to tell if you're overspending in some

Realizing that you can't pay your debts is a terrifying prospect, and it's tempting to bury your head in the sand and hope that the situation somehow resolves itself. As scary as

Negotiating takes practice. Some people are born with good negotiation skills, because they have a natural ability to talk to people. But for the rest of us, it doesn't come