Reaching financial independence requires some effort, sacrifice, and learning on your part. Many people shy away from planning their finances because they lack an understanding of economics and financial markets. I've found that managing finances wisely depends on some basic principles that anyone can understand.
As with most things tax-related, choosing whether to file jointly or separately as a married couple is a highly individual and complex decision. That's why we consulted two certified public accountants to find out how common it is for a married couple to file separately, what it means for your taxes and in which situations it may apply.
With the most recent recession and America still trying to dig its way out of debt, many are balking at credit cards in a way that we never have before. With high interest rates and countless fees being tacked on to our debt, it seems like credit cards are used more as a torture device than a helpful crutch through difficult financial situations.