Villa Financial Fitness Tour

If you’ve been holiday shopping in the last few weeks, you may have noticed an increase in advertisements touting layaway-- the practice of paying for merchandise in increments over a period of time and taking it home once payments are made.

Discount retailers such as Burlington Coat Factory, Marshalls, and TJ Maxx offer layaway as an option, and Kmart recently launched a nation… Continue

I've stressed that the two most important things we need to do to survive the current financial crisis is to focus on building up emergency savings and paying down our credit card debt. However, with the economy in dire straights, the pressure has already started to get us to start our holiday shopping and to spend as much as possibl… Continue