How to Find Happiness Without Buying It

Our materialistic society has led us to believe that happiness cannot be obtained without having money.Rather than learning to be satisfied with what we have, we are taught to want more. We learn from advertising, and from the media, that we need to buy trinkets and toys in order to make ourselves happy, or to fulfill emotional needs, and that the purchases they are trying to talk us into

Turn Yourself Into a Savvy Buyer While Christmas Shopping

Maybe you slept in on Black Friday simply unable to muster the will to battle hundreds of other people storming the gates of the local WalMart. Perhaps you are waiting for your next paycheck in December before you start searching for good deals. Or, maybe - just maybe - you believe retailers will cut costs even further because they NEED to liquidate their inventories before the end of the

How to Appreciate the Pain of Financial Problems

Coming out of consumer debt (car, credit card, student loans) was an extremely painful experience for me. In fact, I intentionally allowed it to be more painful than necessary by going through the process faster and cutting expenses more deeply. While yes, that’s bordering sadism, my goal was, and still is, to never go back in debt again…EVER!Although this occurred years ago, I have no