To get out of debt, get specific

Have your good intentions for the new year already been blown to the side of the road like a grocery bag on the highway? It could be that you just didn’t set yourself up correctly.

Saving, paying off debt among 
best uses for tax refunds

The word “windfall” brings to mind tantalizing images of a monster lottery payout or a huge, unexpected inheritance. But this month we’re thinking of a windfall that’s a little smaller and a lot more common: the tax refund.