Every year, the holiday decorations and holiday-themed music seem to start earlier and earlier.  So do the sounds of credit cards swiping and keys tapping/fingers swiping as online shoppers scour the internet for the best deals. For some people, this is truly the most wonderful time of the year. But for many others, this time…

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When you hear the word “budget,” what do people usually think about doing first (other than running the other way as fast as possible)? They usually think about decreasing their spending, which is not very pleasant to think about. It brings about feelings of deprivation, scarcity, and hardship because now you have to question every…

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