Here's something no one wants to talk about:
Money.
I heard someone say once that most people spend 5-10% more than they make, and it's that 5-10% that makes their life miserable.
If your financial life isn't where you'd like it to be, here are some thoughts:
1) check out Dave Ramsey's book "Total Money Makeover". One of his recommendations is that the first thing you do is get $1000 in an emergency fund. This may sound like a lot, but having that money there can keep you from going into deep debt over something relatively minor, like unexpected medical or auto expenses.
2) get rid of those credit cards! The interest rates are predatory, so get away from the predator! Cut them up and close the accounts.
3) create a plan. Almost everyone can get out of debt, no matter the situation, if they make a plan and stick to it.
Are your finances out of whack? Need to set some financial goals? I'd love to coach you, not only out of financial trouble, but to financial health.
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