It's story time here in the Paranoid Penguin. Don't worry—the story is a preface to the nuts-and-bolts sort of stuff you've come to expect in LJ. In fact, there are so many nuts and bolts to play with ...

Credit card debt can quickly turn into a cycle of never-ending payments. Thankfully, there are several solutions if you're looking to get ahead of your debt and pay it off faster. One way is to apply ...