What To Do If Your Budget is Broken

family expenses graphic

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.