The human mind is very interesting. We're given an amazing ability to think. And, yet sometimes we also have an amazing ability to deny the facts and believe whatever we want.

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Just how exactly do you manage your banking in a foreign country? First-timers headed abroad and other inquiring minds deserve to know some basic overseas military banking facts before boarding the plane that carries you to the land of steep learning curve.

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My husband and I were caught up in the classic "keeping up with the Joneses" syndrome without realizing it. This is a subtle "disease" because of its' insidious nature. The seeds are planted in our thoughts and feelings, and spread until it infects our physical assets. If serious enough, it can bring down your "financial house."

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If something happens to either of you, is the other responsible for debts?

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Consumer Reports expects the average holiday credit bill will be $626. Depending on how big the balance, it may take until summer to pay it off. What's a consumer to do?

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