Much brighter than if I had put my measly savings eight years ago into an index fund. 

Retirement is looking a lot brighter!

Mona, get a pin-style moisture meter ($30), a white "Tyvek" suit ($11), and a good, strong flash light from one of the big box stores. 

Starting out, capital is scarce for me so I am trying to accumulate lower cost homes before moving on to bigger and brighter things. 

So, let's explore the essential elements of building a solid financial base and set you on the path to a brighter financial future.Step 4: Improve Your Credit ScoreImproving your credit score is like giving your financial reputation a makeover.

We have too look on the brighter side I guess since it is better than bank interest

Use a flashlight and check under sinks, including shutoffs, flex lines, and waste lines; around base of toilet and at the shutoff; tub to surround and other seam caulking; faucets that leak at stem when turned on; check ceilings in every room and closet for signs of leaks (bubbling, curling or bulging paint) or staining.

Showing up early in the morning while they are sleeping, bang on the doors, shine flashlights... doing this for a few days has solved the problem for me.

But from one beginner to another, if you have the extra money to throw at your debt, I think the earlier we start the brighter our future will be.

I carry a large flashlight that can be used as a beating stick and if I am really nervous I bring a crow bar.