Bigger retailers like Amazon and Walmart are letting customers keep less expensive items they are returning a whole lot more these days. That's because the cost of shipping has become prohibitive.

The Australian trend of buying something and paying for it in installments is now happening regularly on US websites. Most of these companies don't even charge you interest. Clark says that these installment loans are a reasonable option if it doesn't cause you to buy more than you should.

Ask Clark topics include alternatives to overdraft protection, home title lock, renting a home out on Airbnb, and moving into a camper to pay off debt!

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