April 2022

So your car has broke down many times and the cost to fix it is more than the vehicle is worth.  Time to go to

Does anyone else struggle with minimalism? Two weeks ago I went down to a capsule wardrobe.  That included six short sleeve polo, six long sleeve

Beans and rice can be boring. Dave Ramsey talks about eating beans and rice when getting out of debt. However, this really doesn’t address the

The year was 2008.  I was sitting in front of a credit committee who laid all my poor financial sins in front of me.  A