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Facing Your Finances

Facing your Finances

Facing Your Finances is very akin to facing your fears.  The unknowns of where we are financially can invoke fear that results in avoidance.  Financial fears are usually shaped by the thoughts of unpaid debts, medical bills, collections that we’ve ignored and late payments that we don’t want to see consolidated on one report.   If …

Should you Buy Now, Pay Later?

Buy now, pay later services are beginning to proliferate in online shopping.  Even mega-retailer Walmart has boarded the buy now, pay later bus, announcing they are eliminating lay-away.  The service seems simple enough, allowing the consumer to split the cost of their items into set payments.  The advertising promises no interest if the program is …

A Tale of Two Carrots. 

Have you taken a look at how much you spend on food lately?  Many people who create a budget and look at how much they’re spending each month are surprised by their food bill.   In financial counseling, it’s often the first area that someone tags as wanting to reduce. The Tale of Two carrots is …