Okay so its 2015 and you started the year feeling so optimistic only to realize that you are so heavily in debt that it feels as if it will take a miracle to recover. The problem with the new year is that it encourages people to do things that they did not get accomplished the [...]
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In a few weeks it will be 2015. It seems that it was not so long ago we were on the verge of welcoming 2014. In fact, the time spent shopping goes really fast but when the bills arrive in the new year, the time slows to a crawl. The bills in January are doubly [...]
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Everyone loves vacation days. I am one of those people who eagerly strike the days off the calendar as I count down to vacation. Even if the days are not very many, there is still much anticipation as the year winds to a close. Those of us who are struggling with our heavy financial obligations [...]
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The best thing about shopping for gifts, is the thought of how the person receiving the gift will respond. The worst thing though about buying gifts, is that the funds are often not enough to purchase the desired gift. Of course with proper planning, a budget and saving plan can alleviate some problems but the [...]
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Do you know someone who can’t resist doing something even if it is detrimental to their health? Even when faced with the loss of relationships, reduced income and serious debt they still persist in obsessively doing what is ultimately destroying their life. That is a gloomy description that seems to best fit those with substance [...]
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Things are expensive and it’s certainly easier to just say, “No money so no gifts this year.” Realistically though there are going to be times when you need to show appreciation to someone who has touched your life in some way. The month of May contains several special days that you might want to celebrate [...]
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