One of the first things to remember is anyone and everyone can be replaced. A key person is not always the boss or the person who makes the big bucks in your place of business. A key person is the one who is sought out for information that may not be documented or is documented but long lost.

You can make money in your own backyard with a yard sale. Remember that yard sales are a family affair so get the kids involed.

March is National Women's History Month. Celebrate this month by honoring not only the women who have made historical contributions to the world, but those who have made a difference in your life.

Bad credit can hurt your family because it often does not allow you to do the things you want to do for them and yourself. You may find yourself paying more for the same service than someone with good credit.

Don't burn your bridges. Instead, leave your job graciously.

There has been a lot of talk on television about dressing for business in garments purchased from consignment shops. Do you pass a consignment shop every day, but quickly walk past it? It does look interesting, but you are not sure if you want walk into the shop, however cute the name.

Feb. 22–28 is National Eating Disorders Awareness Week. The National Eating Disorders Organization is trying to raise awareness and educate the public about these disorders that can be fatal. Also, don't forget to wear red on February 6 to acknowledge cardiovascular disease in women.

Should you give your child an allowance during hard times? If you can spare the money--yes. Or, perhaps you can cut back on something since an allowance may teach a lifelong money saving habit.

If your family is swamped in debt and you are trying to find a way out, you should know that just because a debt negotiation company calls itself a nonprofit, that’s no guarantee that it’s a legitimate organization.

Do you get annoyed with your children because they put off their chores, homework or whatever else they are supposed to do? You yell, you cajole or you offer rewards to them for doing what they are supposed to do anyway. Well--the problem could be staring at you in the mirror