Read previous answers from Gail:

March 2008

• When you have several credit cards, is it best to make the payments at the payment date once a month or make continuous payments throughout the month?
• My husband likes to buy items at the end of season sales because they are such a "great deal". Only he is buying them with a credit card that is carrying a balance. Do other people make this mistake?
• Would you say its better to get term insurance with enough insurance to pay off you house if something happened to you or buy the mortgage life insurance at the bank?
• Older friends or relatives have mentioned that when we file our taxes for last year (the year we were married), we get all of the tax back that we paid. Is this even true?
• I'm confused as to why my credit score is so dreadful.
• How do I save for retirement without a pension? Are RRSPs my only option?
• I would like to know if you know of a calculator that would allow me to figure out when my loan would be paid off when I make lump sum payments and how much interest I would save.
• I teach math and was wondering if it was possible to order a few episodes of your show. I think it will be great to help teach students about budgeting their money etc.
• At what point do I let [my kids] control their own money? Is it a good idea to give your teen a credit card (a very small amount of course) so that they learn early on in life on how it all works?
• What would you recommend to get his credit score higher and for us to save some money?