The thing with economic catastrophes is that you rarely if ever see them coming. Whether you survive the financial fallout and bounce back debt-free is heavily dependent on how prepared you were initially. Though your sudden spike in expenses may have been impossible to predict or control, taking steps to ensure you’re prepared for whatever…

Yes, you really can live modern life without a credit card. While the system is set up to appear as if the only way you can get a hotel room or rent a car is with a credit card, you don’t really have to have one. Both can be done with debit cards too. You…