It’s payday again. You sit down to do your online banking, with the hopes you’ll have enough left over to buy that “thingy” you’ve been wanting to buy for some time now. As you move towards getting all the utilities paid, your hope begins to fade. You aren’t even halfway through yet, and you already know that all familiar feeling. You are already broke! Some of us, if we are lucky, are able to have enough to pay the grocery bill as well, but for others, we are forced to rely on the credit cards once again just to put Read More