January marks the start of both a new year and a fresh and exciting new decade with many more challenges and surprises in store. THE REAL DANGER OF DEBT One of the hardest lessons has been the importance of getting rid of unnecessary debt and doing your best to repay your […]


Budgeting is the process of creating a plan to spend your money. This spending plan is called a budget. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. If you don’t […]