I have never been a morning person.  As a part-time teaching artist/freelance writer/non-profit founder/occasional babysitter, I tend to make my own work schedule.  A lot of the time, that means working til 3 or 4am.  So on freezing winter mornings, you’ll usually find me making a cup of coffee and

Do you know where your money is going?

Before you start to think about creating a spending plan, debt payment plan, and/or savings plan it is critical to know where your money is currently going. It is hard to look at it sometimes, and most people are surprised to see how much they spend in certain areas.