
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…

I’ve been budgeting for a long time, but only recently have I gotten a handle on my finances. I had swung from one extreme to the other. From being in a considerable amount of debt, juggling my credit card balances while taking out too many student loans, to living solely to service my debt.…