A poignant quote from Antoine de Saint-Exupery.  Statistics show that most people give on their New Year’s resolutions by the end of January.   This is not because people lose their desire or needs it because they never made a plan.  If you don’t have a plan how do you ever expect to accomplish your goals?  So

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When most people look to get a handle on their credit and finances the first thing they do is swear off credit cards, they cut them up and never look back.  This is completely understandable as credit cards are the number 1 driver of unsecured debt.  Credit Cards are set up so that you fail

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It’s a new year and if you are like most people your main goal this year is to end it with more money in the bank than you had at the end of last year.  There are usually two ways to do that.  You can make more money or you can cut expenses.  If a

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