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The positive effects of paying off debt

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Debt sucks. You work hard for your money and watching it go to someone else is no fun. But it is such an overwhelming cycle and no matter how many self-help books and blogs you read, experts you listen to and advice you get, it’s a hard habit to break. The only thing worse than […]


How Do You Decide on a Christmas Budget?

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Budgets are something that we discuss often. And many would say I don’t have a budget, but rather monitor my money with the spending spreadsheet where I forecast out a year. I would say I do have a budget, but we are not going to get into that. For Christmas, I make a detailed budget […]


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