There are a lot of talks around getting out of debt on TV and around the blogosphere (think Dave Ramsey and Man vs Debt). And you hear and read those people on the shows in the comments that they feel so wonderful after paying off their debt, or that they feel stuck because they are not making much progress. In either case, seems like having a debt is a bad thing. So, why is debt your biggest enemy in personal finance? Because it limits your options.

My first guest post about goal setting just got posted on Diary 4 Life, a very active and popular personal development blog. The title is "5 Ways to Set Goals that Really Matter". Hang out there and feel free leave your thoughts and suggestions. I hope you will enjoy reading it as much as I did writing it!

April 15 is close (just 2 months away!), it's time for you to prepare to file your taxes and earn some money from the tax refund. Here are 3 different tools you could use to get started to earn more from Uncle Sam.

Do you feel like money is always not enough no matter how much you earn? I know I do. I used to live in a dorm as a college student, and I didn't feel I had enough money to spend on all the things I loved. And after I started working as a young professional, I still didn't think I had enough money to spend on all the things I loved! Why? Because I did not understand money.