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Viktor's common sense approach to financial planning revolves around a set of principles that works whether the economy is in boom or bust.

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Good personal finance habits have been around as long as there has been money, yet many people seem to have forgotten them or have never learned. With today's easy credit, low monthly payments, and lack of patience, if you don't have a good handle on your money, your problems are quickly compounded. It has become very easy to go too far into debt resulting in...

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I take a common sense approach to financial planning including setting achievable goals, budgets, reducing and eliminating debt, planning for retirement, and information on how to "get ahead" and stop living paycheck to paycheck.

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