Signs of Distress – The Winter Blues

As I wrote this blog, the east coast of the United States was hit with a major snowstorm. The room that I work in has several windows and I can see the trees and bushes move back and forth, while the wind howls over the top of the house. This is also the time of …

Post-Holiday Credit Shock: Recovering financially from the holidays

So you’ve received your credit card statement and you over-spent this year. After the holidays, some of us experience the post-holiday shock. In January when the credit card bills arrive in the mail, this shock comes from the realization that you spent too much money eating out, buying gifts, and you really overdid it this …

Time is Running Out! Open Enrollment ends December 15, 2020!

Mentally everyone is thinking about the holidays, but physically you need to think about your health. Really, what I mean is health insurance. Do you have health insurance? Do you need health insurance? The Marketplace for health insurance open enrollment ends on Dec. 15, 2020 for this enrollment period. This means that your window of …

How to prepare for changes in your financial situation

Today I offer advice to prepare for and respond to changes in your financial situation, especially for those of you that are receiving less income from not working, being laid off, or furloughed.  Look ahead – Often in life, we experience challenging times. To get through those tough times we need to believe that it …