EARLY….Early….Christmas Shopping


Yup! That’s right! Early Christmas shopping.    I know it’s only September, but Christmas is coming up and I always like to shop for Christmas presents throughout the year.

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The Power of Tracking Expenses


I didn’t set any specific financial goals the past year.  All I know was that I have been spending money without thinking.  However, I did track my expenses since January and I am pretty shocked at what I saw!   It really shows how mindless spending can impact on your savings goal.

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