By Rosilyn H. Overton, Ph.D., CFP® Here are some steps that you can take, regardless of your income, to move forward on the pathway to financial independence and success. Look for specifics on how to do each step here on the FLEX site.  If you don’t have debt, don’t create any.  If you do have [...]

Help! I messed up and now I have a bad credit rating. What can I do?   You get a bad credit rating because you were late in making payments or maybe, didn’t pay at all.  This usually happens because you wanted something and it was so easy to buy it with a credit card, [...]