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 […]
Things to Consider when Planning Your Garden
Spring is in the air, and it is time to start considering planning your gardens. Planning helps you make the most of your garden’s available space and sunlight. Knowing what, when, and where to plant can often be overwhelming. Taking time to make a plan will help you be successful in your endeavors. This article […]
