It’s time to start planning for a Christmas fund envelope for 2023. Who else has gone out and bought a bunch of Christmas presents and paid with a credit card? Probably on a credit card …
debt-free
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Being in Debt is Hard. Being Debt-Free is Hard.
Two statements that are seemingly opposite: Being in debt is hard. Being debt-free is hard. If you had the choice, which one would you choose? I think most people would choose the being debt-free option. …

Is your 2021 Debt Stressing you out and it’s only January?
How are you holding out with your 2021 debt stress levels? Here’s the thing about all the debt you had in 2020. That debt followed you into 2021! Wouldn’t it be nice to start off …