Cents and Common Cents

The single greatest determiner of an individual’s success is his or her own behavior.[i] I’ve often heard people say, “There’s too much month and not enough money.” To which I will ask, “Do you keep track of where your money is going?” Typically, the answer is, “No.”...

Planning for Pets

Higglety, pigglety, pop! The dog has eaten the mop; The pig’s in a hurry, The cat’s in a flurry, higglety, pigglety, pop![i] When I remarried in January 2015, I got a double blessing. Jerry came into my life with an adorable West Highland White Terrier. Sophie is such...

Twelve Days of Christmas Cash

The world intensifies our restlessness. Advertisements entice us to buy this, spend that, and to borrow against tomorrow so we can have what we want today. …good deals urge us on, creating desires that we never knew we had.[i] In December, the strong desire to give...

Stop Beating Yourself Up

Don’t judge each day by the harvest you reap, but by the seeds you plant. ― Robert Louis Stevenson Linda was widowed at 34 years old and now a single parent raising two children. One an honor roll student in her sophomore year of high school and the younger a trophy...