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Whip Your Finances into Shape
Not only is it seemingly always dark outside—it's that special time of year when holiday credit cards bills start rolling in, rapid-fire. And while a couple years ago you may have regretted buying a quesadilla maker for your cousin’s-boyfriend’s-best friend, it's even scarier to face your debt in the midst of a recession. You know you need to pay it off, but then what? We went back to some of Suze's best advice for advanced debt-control. She says to keep newly paid off accounts open but inactive. "About 30 percent of your credit rating (FICO score) is based on your debt-to-credit ratio," she explains. Closing the accounts will reduce your amount of available credit and hurt your FICO score.

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