Don’t Be the Barnacle

Is it time for a reset?

No doubt about it, 2020 has taken its toll on people. It will be remembered as the year that everyone wants to forget.

It has caused untold costs in social, political, physical, emotional, financial, and for some people even spiritual, wellness. Some people have been through – well, hell. There is no other way to say it.

What To Do If Your Budget is Broken

I’ve been there. After a messy expensive divorce in which I made a few costly emotional decisions, the financial implosion of 2008, a layoff, and a huge rent increase all in the same year (and I thought 2020 is bad!), I hit my financial bottom.  My bank account was perilously low, my credit cards had high balances, I had no job, and my expenses had increased dramatically.