treating yourself

Finding Balance: How to Practice Moderation

We all know the benefits of moderation, and yet, that knowledge seems to evaporate when a plate of nachos appears. Learn how to be more mindful.

When Being Frugal Isn't the Solution

Simply living frugally doesn't always lead to financial greatness or happiness. Discover when it's better to bend the rules of frugality, and why.

Goal Setting: Getting Out of Debt Once and For All

It is easy enough to say that you have a goal of being debt free in “x” months or years. You have crunched the numbers, and your plan is realistic and achievable. But why is it so