If you're struggling with finances and think you can't afford to seek help from professionals, this could be a place to start.  McKenzie Walsh with Triple A Fair Credit Foundation says many services are free.  McKenzie says the hardest part is changing your spending habits.

You can follow this show on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.