Today’s top story: 50 ways to improve your financial life in 2015. Also in the news: Why deferred interest rates on purchases isn’t always a good idea, how to decide which debts to pay off now or later, and the lazy guide to dealing with debt collectors.

50 ways to improve your finances in 2015
You’ll want to get comfy for this.

Why you should think twice about ‘buy now, pay interest later’ deals
Deferred interest can do a number on your wallet.

5 Debts You Should Pay Off Now – or Later
Not all debt is created equal.

The Slacker’s Guide to Dealing With a Debt Collector
Dealing with debt collectors while exerting the least amount of effort.

Will You Remain a Debt Slave Until Death?
Or will you see the light?