Happy Holidays with no financial hangover

It’s that time of year.  The calendar page turns to November or maybe even December and we realize how few days remain until Christmas.  It’s not too late to plan for a merry holiday season paid for with cash! This week, start by making a list of all the people whom...

Discipline

Now this is an area where I struggle.  I’ve fought it nearly all my life.  I like to think that I’m spontaneous and fun-loving, and a bit free-spirited, so discipline is not a quality I’ve sought to acquire over the last 47 years. And isn’t it...