We all have been in situations where we have relapsed. We fell off of the proverbial wagon and returned to behavior that we forsook for a better way of life. Whatever the reason – temptation, pride, weakness, etc. we decided go against our better judgement and not follow our plan. This can happen with money […]
Read MoreHow long does it take to pay off $3,562 in loans if you are paying $1,318 per month in payments? 8 months if your Annual Percentage Rate (APR) is between 331% and 575%! Unbelievable, right?! One of my clients was paying those amounts. Every month he was paying $1,318 ($659 per check). Most of the […]
Read MoreMany people have been forced to spend less during the current COVID – 19 crisis. They are spending less money on gas, eating out, and other expenses that were a part of their everyday lives. Many are realizing “extra” money in their accounts since they are spending less money. You have said for years that […]
Read MoreFear. Worry. Anxiety. Regret. These are powerful emotions that all of us experience. The difficult thing to determine is whether or not those emotions are real or not. How many times have you heard the phrase, “It’s all in your mind”? Meaning, it’s not real. It’s just your imagination. Sometimes that is true but other […]
Read MoreMany people think more money is the solution to their financial problems. Some of them do need to increase their income in order to make up for the deficit between their income and expenses. Unfortunately, when many people get more money, they go through it quickly and do not use it for the purpose intended. […]
Read MoreMany people choose the New Year as the starting point to make a change in their lives – to make a fresh start. They also choose the beginning of the month or the beginning of the week to start. Along with the choice of start date, they choose another strategy. They choose to binge. If […]
Read MoreI would like to wish you and your family a Merry Christmas and a Happy New Year! There can be a lot of emotions during the holidays for various reasons. People experience joy, gratitude, love, etc. They also experience sadness, grief, depression, regret, etc. In the midst of your personal emotions, I hope […]
Read MoreChristmas is known as the season of giving. However, many people do more spending in order to give. And often they end up with things they do not even need. Giving does not actually equal spending. This is an important lesson that we can teach our children so they can understand the true meaning of […]
Read MoreParenting is not easy. In fact, it has been said that “parenting is not for cowards.” I can attest to that being a parent of three adult children. Parents often put their needs on the back burner to take care of the needs of their children. Often that means forgetting about planning for the future. […]
Read MoreIt’s easy to be grateful when we have money. We can think of all of the things we have that we bought with money. We can think of the food, clothing, and shelter that we enjoy. We are grateful for the choices we have because of our income. But can you still be grateful when […]
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