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Last Minute Holiday Shopping Tips to Keep You Free of Debt Stress

With the holiday season in full swing it is easy for stressed shoppers to stop living within their budget.  They simply pull out their credit cards and assume they will figure out how to pay for things when the bills

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Posted in Debt, Holiday Shopping, Shopping

What to Do if You’re Behind on Your Bills

There may come a time when you struggle to afford all your bills one month. Or maybe it happens to you every year when you pay in to taxes or bring your dog to the vet. Regardless of the reason,

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Posted in Budgeting, Overspending, Savings

8 Ways Procrastination Can Cost You

Procrastination is putting off doing something until the last minute. In some cases, people can thrive on procrastination, such as meeting a deadline for school or work. However, when it comes to finances, procrastinating can mean extra money out of

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Posted in Budgeting, Emergency Savings, Financial Wellness

How to Avoid Shorter Days Affecting Your Budget

It’s that time of year again where the days keep getting shorter and the nights get longer. Did you know that shorter daylight time can actually affect your budget? Here’s how to avoid increased costs just because of the season

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Posted in Budgeting, Financial Wellness

Be More Hopeful by Having a Plan for Your Finances

improve your finances and be more hopeful

Many times when I am done counseling someone they tell me they feel more hopeful. But when the session starts, they tell me: “You have probably never seen a situation as bad as mine.” The truth is usually I find

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Posted in Budgeting, Debt
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