Personal Debt
If you are in debt, you need to get rid of this financial and emotional nuisance as soon as possible. Never mind your credit rating. Do whatever it takes to become debt free and never borrow again. There is no financial advantage to having debt. In years past, there would be people who would talk about good debt and bad debt. Of course, good debt was money borrowed for investment purposes and was usually a mortgage for a home. We learned in 2008, when the real estate bubble collapsed, that you can lose a great deal of money by having a mortgage. But even now, there are those who would make an argument to have a mortgage versus renting, and some of these people can make a good argument. I sit