Sally Herigstad, certified public accountant and author of "Help! I Can't Pay My Bills," answers your personal finance questions and gives money advice you can use.

Short sales are the new foreclosure

Starting April 5, 2010, lenders in the Home Affordable Modification Program must offer borrowers the option of a short sale, including the minimum amount needed for an acceptable offer, if their mortgage doesn't qualify for a modification.

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View From the Cart: What do Your Kids Learn Watching You Shop?

Kids learn more by watching than by listening. Alas, they seem to watch most closely when we’re harried, trying to grab a few groceries in the Friday afternoon rush without losing our minds or our place in line.

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The Up Side (Really?) of the Recession

If we learn – and remember – a few lessons from this recession, that could be one of the best things to have happened to us.

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Just say no to store credit cards

Why not sign up for cards at every store at the mall, and save 15% or more on all our Christmas shopping?

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6 foolish ways to go green

We all want to save the earth. Unfortunately, we can do more harm than good if we don't stop and think about the consequences of our actions.

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