Is the Credit Card Controlling You?

Is the Credit Card Controlling You?

You have the power to decide where your money goes. How I used to “manage” manage my credit card use. Previously my husband and I would use credit cards for EVERYTHING, we didn’t have debit cards and we hardly ever had cash. Grocery store, swipe, gas...
What is a budget?  Why do I need a budget?

What is a budget? Why do I need a budget?

What is a budget? A budget is a way to balance your income, expenses and financial goals. A budget is a spending plan based on your income and expenses. It is a way to know what money is coming in (income) and what money is going out, (expenses). Why do I need a...
Self Escrow – What?  How?  Why?

Self Escrow – What? How? Why?

What is Escrow? May are familiar with the escrow process once a home is purchased. It is a legal arrangement in which a third party, or the financial institution that holds the home loan, holds money until a particular condition is met. (Such as the fulfilment of the...
Create Happiness — How?

Create Happiness — How?

So many people think sadness, happiness, hurt, joy all happen to them. The truth of the matter is, all emotions, regardless if we label them positive or negative do not happen to us. We created them from within ourselves. The way we feel is always created by a...