Will I ever pay off all this debt?  That’s what I was begging God in 2014 at the altar at church.  It was one of the hot ugly cry moments. My husband and I had decided to get organized and clean up the few student loans we had here and there.  So we’d pulled some […]

As seen on RelevantMagazine.com If there was any New Year that brought with it the desire to do better with money, it was this year. 2020 was a nasty wake-up call for most of our wallets. Most realized what worked with our money in good times didn’t actually work all the time. For that new […]

Don’t you find job searching in these trying times to be frustrating? How do you know how, or where, or with whom to even begin? The latest guest on the Kati Hyer Show says you must start with a personal inventory to get clarity. Why a “personal inventory?” It will give you clarity on what […]

My favorite budgeting hack You’ve heard me wax poetic about mi amor para los budgets. The deal is, a love of budgeting doesn’t mean it was always easy. In fact, we found budgeting extremely frustrating at first, as do most new budgeters. That is until we began using my favorite budget hack: just think ‘it’s next […]

 Have you ever wondered where the word “shame” comes from? All the way back to its earliest traceable history, the root of shame means ‘to cover,’ because when you are ashamed, you want to hide, cover yourself from other people’s view. Inadequate, disposable, unworthy.  These are the things shame can make you feel. Friends, my […]

We made pennies together when Dave and I first began trying to tackle our debt. Since we didn’t earn enough from our regular jobs to make a big enough dent in our mountain of student loans, we took on the almighty SIDE HUSTLE! Dave did not appreciate the “gifts” our canine guests left all over […]

Call me crazy but I love budgets. By the time we are five minutes into sipping coffee together, you will know: I love budgets, budgeting, and busting budget myths, and I think you should too. Did reading that make you just spit out your coffee?  Track with me. How the average person feels about budgets […]