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 Hangover Does this sound familiar? You use credit cards for holiday shopping and plan to pay them off quickly. Months later, you are still paying the bills. Those “great deals” end up costing 10–20% more because of interest. Many Americans repeat this cycle every year. Financial experts call […]

From Binge to Balance: The Real Meaning of Simplifying For a long time, many of us have lived in excess. We have too many expenses, too much stuff, and too many commitments. Life feels noisy and rushed. Calm often feels out of reach. If you dream of peace instead of chaos, simplification can help. Creating […]