One of the greatest conveniences of credit cards is the ability to defer payments on purchases, no questions asked. However, consistently paying just the minimum is one of the worst things you can do for your long-term financial health.

You've tried making simple changes to your spending habits, but you're still in debt. Here are five more drastic suggestions. These cuts will hurt, but if you want to get your debt under control, you're going to have to make sacrifices.

Looking for work? Depending on your chosen field, negative marks on your credit report could cost you a job. However, there are steps you can take to overcome the stigma of bad credit and get the job you want.

Even in the best of times, disagreements about money are a common source of conflict for many couples. However, when couples get into too much debt, the stress and difficulties that ensue can easily overwhelm and lead to serious relationship problems.