After doing a lot of research on personal finances at sites like http://money.cnn.com, I’ve discovered I’m incredibly illiterate when it comes to managing personal finances. I suspected this, which is why I started doing the research in the first place. What I’ve also discovered is, small, simple steps you take to improve your financial situation can really add up. I now avoid buying anything that require me to pay interest. As a result, I’m actually seeing dents in the credit card debts I’m trying to pay off, and I now believe it is entirely possible to be debt free.