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 […]

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 […]

The process of debt consolidation begins by taking a look at your outstanding debt. This is something every person or couple should do before considering going for some kind of debt consolidation loan or other debt relief. Asian Development Bank via Compfight There are three ways you can do this, but each way will initially […]

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