Credit Cards - The Art of Getting Out of Debt
You have credit card debt that’s stressing you out. Whether an unexpected expense or past negative spending habits triggered the debt, it’s understandable to want to throw every spare penny to pay it off. But, that’s rarely the right strategy.
Without a Spending Plan you can easily find yourself in a negative cycle of paying your debt down only to see it build up again despite your desire to get off the hamster wheel. This can be incredibly demoralizing.
Purposeful Gift-Giving
What do you want when you give a gift?
Sometimes people want to knock the socks off of the recipient and completely amaze them.
Sometimes they want to see the look of joy when the recipient sees a gift that truly shows you understand them and their wants.
Sometimes, admittedly, you just want to check a name off your list and move on.
The 1% Challenge
Is "Save Money" on your list of New Year's Resolutions?
In our experience of working with clients, those who have the most success when it comes to saving money have done so by setting and achieving incremental goals.
One of the reasons our money saving resolutions fail is because we try to do too much at once. We go from not saving anything at all to trying to save 10% or more of our income without a plan. Then, money feels too tight, we start dipping into our savings, get frustrated and stop altogether, claiming to the world that we’re just “not good savers”.
It isn’t that we’re bad savers. It’s just a matter of trying to do too much at once.
