During a recent online discussion, a questioner asked if there was a type of professional he or she could hire who would give unbiased advice on those everyday money issues that always seem to pop up.

I could recommend hiring a fee-only financial planner, but that would cost you anywhere from $150 to $300 an hour. Increasingly, there are fee-only professionals willing to work with people who want more than just investment advice.

Scott D. Cole of Birmingham, Ala.-based Cole Financial Planning, a part of the fee-only Garrett Planning Network, said he would gladly sit down with someone looking for everyday financial advice.

"There are so many choices out there and the consumer gets mixed messages, so it's helpful to have someone that doesn't have a vested interest in the outcome to tell them what they think from a financial perspective," Cole said.

However, Cole admits it's not economical for people to pay an hourly fee to determine if they should buy or lease their next car. They aren't going to hire an adviser to help them figure out if they should apply for more credit.

So what can you do if you need such advice? One technique is to create a pro and con list when faced with a financial dilemma.

For example, I got this question during a chat: "What do you think of the stores that offer free interest if a product is paid off in 12 months?"

On the pro side of your list, you can write down that you get to buy an item and delay paying on it for a year.

On the con side, you should indicate that opening up another credit card can lower your credit scores in two ways. First, the retailer or lender has to do a credit check. That inquiry alone can lower your credit score. In addition, the consumer is often approved for a credit line in an amount close to the cost of the item being purchased. Also on the con side, make note that if you are just one day late in paying off the balance as part of a no-interest/no-payment offer, you will be hit with back interest, typically 18 percent to 20 percent or more.

To make this work and keep from paying a high double-digit interest rate, you have to make certain that in the next year you will have the money to pay off that credit card.

What if you are in the market for a car? "Please explain why leasing a car is so terrible," one chat guest wanted to know.

I've consistently said that I think leasing a vehicle is a bad long-term financial move for the overwhelming majority of people who do it. Read "The Millionaire Next Door." About 81 percent of millionaires purchase their vehicles. But let's go through my little exercise.

On the pro side of your leasing list, here's some of what you might write: