
What do you do with a lifetime of memories? My husband and I are moving…again. I think this is our 18th move together. In the past we have made sure that our new house would have ample storage space for ‘all the things’. You know…Christmas decorations, books, memorabilia. All the things that we have collected […]

Full confession…I never knew what a debt-to-income ratio was until recently. Not sure why that is…maybe it is because I have no debt. And, as retired people, our income is on the lower scale of incomes. PLUS, I am not trying to buy any new purchases that are large.

Life has been pretty crazy lately, don’t you agree? There is weather. And a pandemic. And voting. And opinions. And people…

Life can certainly throw you curve balls now and again. Right? Who would have thought that our country would be shut down for weeks on end. Did you?

Does the holiday season seem to catch you off guard…every single year, even though Christmas is December 25 EVERY YEAR?

Budgets….what comes to mind when you read or hear that word? Do you feel a sense of freedom or do you feel restticted?

Happiness…joy…happiness…joy. Are they the same thing or aren’t they? What do you think?

Finding Joy in all things. ALL things? I can hear you yelling at me over the internet – ‘What?!

Earthly and Biblical joy. Aren’t they one and the same? Isn’t joy…joy. The answer is yes…joy is joy. The difference is in what you believe.
More Freedom
Let your money work for you and not the other way around.
Less Stress
Financial stress is gone when your money is in order.
More Confidence
Clarity increases confidence.