When you’re trying to figure out where your money’s going, your first step should be to create a budget. However, setting a budget is only one piece of the puzzle. The strange problems with a budget is that if you have money left over, you tend to spend it indiscriminately. Suddenly you’re not only wondering […]

How well do you track your spending habits? I ask that question because a great number of people have absolutely no idea how or where they spend their money. This ends up with folks looking at their bank statements wondering where their money went, and sometimes leads them to either overdraw on their bank accounts […]

I struggled with the topic for this post because there are different types of financial counseling one might need, yet it would involve more than one person typically. The truth is that most people need financial counseling in one way or another, sometimes multiple ways. Whether it’s to make money or save money or not […]

We talk about debt all the time, in different ways. The country talks about debt as well. For years we heard about the debt President Bush left us in and the debt that President Obama has allowed to increase. Yet, when you look at it, debt isn’t bad across the board. Let’s take a look […]

The truth is that overall 2016 was a great year financially, no matter what some people had to say. Unemployment was very low, the stock market thrived, fewer people lost their jobs from major corporations (who remembers the end of 2008 & the beginning of 2009 when tens of thousands at a time were losing […]

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