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As you sift through your Christmas bills, you might be in the mood for Uncle Bill's Guide to Staying Out of Debtor's Prison. I know. In this enlightened age they don't throw people in the hoosegow for not paying their bills. But don't let this mislead you into believing you won't serve time for getting in over your head moneywise. I can't imagine a crueler sentence than having to worry each day how you can stretch a limited income to meet a constantly increasing outgo. You haven't ever been in this fix? Why are you are suddenly lying to me? My grandfather used to say that everybody was $87 short of paying their monthly bills. In these inflated times it's more like $870 short. Within that bit of earthy commentary lies the worst misconception people have about their financial affairs. Dr. Phil, television's notorious meddler in other people's lives, hits the nail on the head when he constantly reminds his tapped-out guests that they can't solve money problems with money. Most...
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