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 […]
Why is Saving so Hard?
When saving money feels so hard, it is often because spending is so easy to do! Spending money is usually an obligation to pay bills. Some of our spending is because we like new items or prefer convenience over time (eating out rather than cooking). Level of income, feelings, and how we were raised often […]
Smart Strategies for Holiday Shopping on a Budget
The holiday season is a time of joy, togetherness, and celebration. It’s a time when many people face the challenge of staying on budget while finding the perfect gifts for their loved ones. However, with some thought, planning, and smart strategies, holiday shopping on a budget can be an enjoyable and stress-free experience. Check out […]
