Article: Waterbury Republican-American, Conn., Financial Makeover Column.

Knight Ridder/Tribune Business News

Oct. 31 -- This is the first of an occasional Financial Makeover series in which The Sunday Republican will profile the personal finances of a volunteer who needs help with money matters. The advice comes from Patricia S. Gugliotti of Tax and Investment Strategies in Waterbury. Gugliotti volunteered her services.

WATERBURY, Conn. -- Like millions of Americans, Lydia D. Hawley found herself pinched by debt and barely able to make it from paycheck to paycheck.

The Thomaston woman recently divorced. She has taught school for 25 years and earns a good salary. She's able to make her home mortgage payment and car ...

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