Has there ever been a major holiday more focused on materialism than the modern American Christmas?  This year, Americans are planning to spend an average of 830 dollars on Christmas gifts, which represents a jump of 110 dollars over the average of 720 dollars last year.  But have our incomes …

Could you live without debt?  Most Americans say that they cannot.  According to a brand new Pew survey, approximately 7 out of every 10 Americans believe that “debt is a necessity in their lives,” and approximately 8 out of every 10 Americans actually have debt right now.  Most of us …