Tonight a friend of mine asked on Facebook: “How much of your “Christmas” is done in love and how much is out of obligation?” This question got me thinking about what, I feel would be the majority of people’s…
As of November 1st, I will be homeless. That isn’t a dramatization. I will literally be without a home on that date. I can no longer afford to live in my apartment. I actually can’t afford to pay the utilities…
One of my most needed tools is a budget. I haven’t ever used one effectively. I’m trying to develop one but it’s difficult when I don’t know how much I’m going to be making from month to month. Jobs come…
