The Pay Day Loan

My phone rings about 11:00, I look down at it - I don’t recognize the number, so I’m hesitant to answer, “Hello?”  “Hi, is Patricia available?”  “This is…” “Hi, my name is Jeremy and I’m from blank-blank payday advance company.  You haven’t been here in a while and I can offer you $25 on a… Continue reading The Pay Day Loan

Frustration Set in

Budgeting is a balancing act, its not easy. “…If it were easy, everyone would do it.” We’re half way to Baby step 1: $1000 in the emergency fund, at least we were until we had to have this tool. I came home last night, to find my husband frustrated with our debt free plan. We… Continue reading Frustration Set in