
Hello again friends and welcome 🙂 Last week I wrote about how credit card companies profit on our insecurities to keep us drowning in debt. This post I want to talk about credit, credit cards, and how to make them work for you by giving you some practical tips and strategies on how best…

This is something I realized not long ago. I knew that ads are designed to make you feel that you need whatever popular trend is en vogue, but what I hadn’t thought about until after I was out of consumer debt was that if you can’t afford the latest trends, they are all that…

I’m a social worker, and the population I work with are the chronically homeless. This means they’ve been homeless for 5 years or longer. Before I worked with this population, I viewed them mostly as lost causes. They seemed to me, so mentally ill, that there wasn’t anyway for them to come back. Or…