Holding the Line on Holiday Spending

Holding the Line on Holiday Spending

One of the primary reasons I wanted to put a budget in place was for Christmas. After the fifth delivery on December 23rd, I realized we had a problem – or at least I had a problem. I didn’t feel as if I knew how much we were spending or where the money was...
Prioritizing Paying Down Debt versus Savings

Prioritizing Paying Down Debt versus Savings

Things are going well. Your income is up, expenses are steady and you’ve got money left over at the end of every month. You’re not planning on spending the excess cash, so you face a choice of paying down debt versus saving. How do you choose? The first thing you’ll...