Don’t say the B word!

Don’t say it!  Don’t say the B word!  Budget!  There I said it, budget.  This is a word that used to drive chills down my spine and make me clam up.  I get it; it’s not a word most of us like to hear.  Where do you think this fear comes from?  If you were …

Needs vs Wants

What’s the difference between a need and a want?  This is a difficult item to understand when we live in a world where everything we see advertised in front of us makes us feel it’s a need.  We need the latest phone, we need the latest model car, we need to have more “toys”, we …

What is a credit score anyway?

What’s your credit score? This is something we hear a lot when making larger purchases, but what exactly is a credit score anyway? There are a number of things that come into play to determine what your total score is, but here is a simple definition. A credit score is merely how well you pay …