According to the National Retail Federation, parents of school-aged children estimated they spent nearly $600 on back-to-school purchases last year. How can you cut back this year without cutting corners?

One of the most frustrating situations a credit counselor encounters is a client in the payday loan trap. The client took out a loan to help stretch his paycheck and now finds he is unable to repay the loan without falling further into financial distress.
The problem is people can rarely afford to repay the payday [...]