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A popular way to eliminate debt is through the "debt snowball"; a suggestion that you pay off your smallest debt first instead of focusing on paying off the one with the highest interest.

Financial adviser Dan Danford espouses Dave Ramsey's motto of paying off the smallest debt first, then move on to the next smallest debt.

Danford, CFP®, CRSP®, MBA, says this method combines the financial need to eliminate debt with the psychological need to find an easier way to do so.

Watch the financial advice video for tips on how to eliminate debt.

When answering the financial question, "Do you have a list of New Year's financial resolutions you think all people should undertake as we approach 2012?" financial adviser Dan Danford has a slightly different way of looking at financial resolutions.

Danford, CFP®, CRSP®, MBA, says any New Year's resolutions should be about an attitude shift and an understanding of a new way to look at money.

Watch the financial advice video for information on how to enhance the quality of your life.

When looking at the turbulent markets, many people wish they had other alternatives to mutual funds to invest.

There are very few people who want to invest in the stock market; they do so because they have to, according to financial adviser Dan Danford.

But Danford, CFP®, CRSP®, MBA, explains there are alternatives to mutual funds available to investors.

During the holiday gift buying season, 60 percent of people either overspend or have a spouse who overspends during the holiday season.

How should you prepare for your holiday shopping to ensure you are part of the minority who do not overspend during the holidays?

Financial adviser Dan Danford, CFP®, CRSP®, MBA, says in order to be successful with your finances you must be deliberate by planning, budgeting, and sticking to the plan throughout the holiday season.

With interest rates so low is now a good time to refinance or are there disadvantages to refinancing?

Financial adviser Dan Danford addresses the costs associated with refinancing (new appraisal, new title company, etc.) but says this is the best time to refinance in the last 50 years.

Danford, CFP®, CRSP®, MBA, explains why everyone should consider refinancing not only their marital home but also their credit cards and vehicles.