As the calendar flips to 2026, we all feel that familiar surge of motivation. We buy the new planner, we download the budgeting app, and we promise ourselves that this is the year we finally get our financial house in order. But we also know the statistic: most New Year’s resolutions fade by February. Why?…

Are you feeling stuck in a financial rut? Overwhelmed by debt? Wondering if you’re on the right path to achieving your dreams? I have fantastic news for you: it’s never too late to make a positive change. Whether you’re facing mortgage anxieties, struggling to manage your spending, or carrying the weight of multiple debts, small…

According to a recent survey, 63% of people said they incurred holiday debt unexpectedly. Many people take 6 months or more to pay off their holiday debt and some never ever pay it off. That’s why planning and budgeting are crucial during the holiday season. As we all know, the holiday season can be a…