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.

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.

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.