Survey Also Finds That Women Are Less Likely Than Men to Say They Pay Off Their Credit Card Expenses in Full Each Month

COSTA MESA, Calif., April 17 (www.AllPayCards.com) -- According to the latest Experian-Gallup Personal Credit Index(SM) survey, 65 percent of consumers say they save some money regularly, while 31 percent report that it's hard

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The Budget Fashionista shares tips on how to dress well without breaking the bank

It took a mountain of credit card debt and college loans to make Kathryn Finney rethink her spending on clothes.

Well, that, and falling in love.

"It took marrying someone cheap to understand how really in debt I was," says author Kathryn Finney. "I had a love of fashion, but a real lack of cash and my husband said, 'You've got to curtail your spending.' "

Experian, the credit score, rating and loan experts have warned of the dangers of bankruptcy and spell out the challenges with thinking it as an easy out for debt problems.

If you consider bankruptcy, you can expect for the proceedings to last from about 12 months to as long as 2 or 3 years. Then you will have the insolvency or bankruptcy on you credit report for at least 6 years to as l ong as 15 years. This will seriously affect future loans and credit agreements and maybe even affect job applications.

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