Maybe you’re a new graduate embarking on your first full-time job. Or, after much effort, you’ve managed to pay off all your credit card charges. Or you’ve just gotten a big raise, so that your income comfortably exceeds your expenses.

Isn’t it great not having to worry either about having to pay interest or whether you’ll have the money to meet next month’s bills? If you want to keep yourself in your happy state, follow these tips for staying debt-free: Continue reading →