Starting the New Year Right

Starting the New Year Right The 2022 year has come to an end.   Even if you do not believe in making New Year’s Resolutions, the beginning of a new year brings the ideal time to take a fresh look at things. Where do you want to see your finances in 2023?  Is your goal...

Where Does My Money Go?

Where Does My Money Go? When people are encountering financial difficulties, often they do not know what steps to take to resolve them.  Each month we will look at ways to help you improve your financial situation. If money is short, the first step people often think...

Wants Vs Needs

Wants Vs Needs “Need” – something essential for survival “Want” – something  beyond a need that makes life more comfortable or convenient Determining what is a “need” and what is a “want” is important in looking at spending habits.  Making small changes in spending...

Christmas Spending Tips

Christmas Spending Tips The holiday season is upon us.   It is supposed to be “the most wonderful time of the year”, but unfortunately, many people find themselves overwhelmed with stress at this time of year.  Christmas has become a very commercial holiday and the...