One penny, two penny, three penny…. Often paying down debt feels like an arduous process that goes on forever. It feels like all we can put down is one penny at a time, so why bother? However, we can change our mindset by thinking about paying down debt as a form of savings. What do […]
Ways to Increase Income & Decrease Expenses
People are really feeling squeezed financially these days. The costs of nearly everything are increasing while incomes are staying the same. This creates the need to make adjustments in our spending plans (budget). While it is easier to do a little of both increasing income & decreasing expenses, sometimes that is not enough. Sometimes we […]
Life Happens; Save for the Unexpected
Does the concept of saving for the unexpected seem like an impossible task for you? Maybe you are struggling financially or living paycheck to paycheck. When life happens it is challenging to stay motivated to save money for those unplanned events. However, instead of focusing on all the reasons that it is hard to save, […]
