My New Christmas Tradition….

This is the year I’ll act on something that’s disturbed me for some time. It has to do with the Christmas gift giving ritual in my family (which is probably similar to the ritual in many western households). More about that in a moment. So, why am I changing this now? Maybe because: I’m turning Read the full article…

Is Your Money Life in the Critical Zone?

Taking stock of where we stand is the first step to any corrective course of action, money included. To help people quickly get a handle on this, I developed a simple two-variable self-assessment. The two variables are: Is the household spending more than it is earning? Is consumer debt present (for example, high-interest credit cards, Read the full article…