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Maintaining A No-Debt Lifestyle

Linda Clayton hates being in debt. Her fear of debt is such that she recently used a settlement from a car accident and her savings to pay $40,000 in cash...

Making the Right Moves on the Net

When Candi Carter launched a line of educational DVDs for children in March, she had to confront a lack of cash. “We didn’t have a multimillion dollar budget,” Carter says. So instead of paying for advertising, the 40-year-old mom and television producer turned to social media—blogs, online videos and social networking sites such as Twitter (www.twitter.com) and Facebook (www.facebook.com)—to expose her business to potential customers and build a brand.

Perfect Score

Like many, Lisa Ndiaye filled out an application for her first Visa credit card in college. Unlike most, she paid her bills on time, kept the balances low, and 20 years later, she still has the account. While this may seem like common sense, these actions, coupled with Ndiaye's diligent payment history on all of her credit accounts, lands her a near perfect credit score of 843–a distinction that only a marginal percent of the U.S. population boasts.

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