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...
We All Live Life in Stories

We All Live Life in Stories

What does that mean? We live our lives in stories. Each of us has a different story, perspective of reality. Each of us have different thoughts, feelings and actions to the facts. Facts being the undeniable truth, situation or circumstance that everyone can agree on....