Several years ago, when I was living a lifestyle that was at least partially funded by credit card debt, I absolutely hated the middle of January. Every single December, I would overspend. I’d buy expensive gifts for

Over the past few weeks, I’ve seen an abundance of offers for “holiday loans,” more than I recall seeing in previous years. Many credit unions and banks in my area are advertising these loans, pretty clearly targeting

While there are plenty of different budgeting strategies to try, my personal favorite is the zero-sum budget. This type of budget isn’t hard to implement, nor does it require fancy software or third-party support. With a zero-sum