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If you want to find something positive in our current economic crisis, it’s that folks are starting to re-think the use of credit cards and frivolous spending. And by “folks” I mean me.

I’ve always been a saver. I get that from my grandmother. But I’m also an impulse buyer who has historically used a credit card for shoes, clothes and travel. No more. To be clear, I don’t have nearly as much debt as the average American. But I still have it, which kinda makes me mad at myself.  So, on this day, January 1, 2009, I’ve got a couple of personal finance goals to share. We’ll call them “New Year’s Resolutions,” just for fun. Read More…