While some are declaring that the recession is over, the good news has not trickled down to my pocketbook. My husband and I are looking closely at all our expenses to cut our overhead. Our wages have decreased in the last year, mostly due to the slow down in my business, but costs have continued […]

Plan Ahead to Avoid a Financial Holiday HangoverDoes this scenario sound familiar? You use credit cards to do your holiday shopping, promising yourself you’ll pay the debt off within two or three months. Six or eight months later (or more), you’re still paying, and those items that seemed like such bargains end up costing you […]

We’ve done the binge thing for awhile; now it’s time to do the purge thing. Most of us have a tremendous amount of excess. Too many expenses, too much stuff, too many commitments and responsibilities. Do you dream of calm over chaos? Do you wish you could hit a button and be transformed to the […]