Acclaimed financial blog author, Elaine Miranda, gives us some tips to manage our personal finances and get out of debt, particularly in January following the financial excess that often accompanies the holidays.

Financial blog author, Elaine Miranda, explains that while there are different strategies to get out of debt, the method one chooses is less important than the ability to change the habits of consumption that got that individual into debt in the first place.

Financial expert, Elaine Miranda, tells us about scenarios in which credit cards can be both helpful and hurtful for individuals attempting to gain control over their finances.

Elaine continues to talk about personal finances, including the Fifty-Two-Week Saving Challenge and how to talk to kids about finances.

Let's find out about "La Carretanagua," a terrifying Nicaraguan legend that continues to be passed down from generation to generation.

Men, beware of the voluptuous vixen La Cegua, who seduces men she encounters wandering along lonesome roads. Find out more about this notorious Nicaraguan urban legend.

Our friend María Conchita brings us another urban legend from Nicaragua, this time, about some mischievous, dwarf-like creatures called duendes who are supposedly evil spirits.