When I decided to start paying off my student loans early, I knew I had to make some changes to my lifestyle. See, I wasn't always a responsible personal finance expert. In fact, I used to have a spending problem. I was one of those people who had a dozen bras and still wanted the latest one from Victoria's Secret. The word "sale" was enough to set my heart racing. I loved shopping at the mall. When I moved out of my college apartment, my friends ... Read more...