Have you decided not to create a monthly budget because every time you create one you always bust it.  Why waste my time when I know I will bust it before the end of the month. Creating a personal budget is important to your personal financial health.  Sticking to your personal budget can be challenging […]


  Budgeting is a key tool to help you simplify your finances. It helps you see where your money is going and coming from. Making a few small adjustments to your budget can have a significant impact on your future. You are probably saying yes I know having a budget would help my finances but […]


Yes, I am aware it is only October.  The temperature is beginning to drop and leaves are beginning to change depending on where you live.   It also means you only have about 13 more weeks before Christmas is here.  But that is more than enough time for me to purchase gifts and decorate the house.  Right? Yes […]