“You spend less when you use cash.”-Dave Ramsey Prior to using cash, I would spend frivolously. I would swipe my card for any and everything. As long as my account didn’t hit zero, I kept swiping. I rarely used cash. Once I started to use cash, I became intentional with my spending. While being intentional with my spending, I quickly […]

A tax return is money you loaned to the government interest free!   It’s tax season and I know many of us are waiting to receive a deposit soon! I know I was itching to receive my tax return. But before you consider splurging and buying something you don’t need, I encourage you to make a plan for your tax […]