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 […]


Splurging – Spend (money) freely or extravagantly .  All of us do it every once in a while.  We go to the store with a list of things to buy or a set amount you plan to spend but you saw something you just could not leave the store without.  You ask how can I […]

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In order to simplify your personal finances, you must identify your financial ugly ducklings and turn them into financial swans.  What I mean by this is if you want to simplify your financial life so you can manage your finances better you must identify your bad financial habits which I refer to as your ugly […]


Its the end of the year, we are all planning for the new year deciding what we want to accomplish next year. You are probably looking at your budget if you have one and looking to see how you can do a better job of sticking to your budget. If you don’t have a budget […]


Have you decided not to create a monthly budget because every time you create one you always bust it.  Creating a personal budget is important to your personal financial health.  Sticking to your personal budget can be challenging but it is key to living a simple financial lifestyle.  You are  probably asking what do I […]