I heard the term mental accounting not that long ago and since then it has really resonated with me. In an age where we swipe, tap and add to cart are we really aware of how much is going out vs. how much is coming in? I am always impressed when I speak with families who are truly nailing it; they get it, they pay off their credit cards and live within their means. Honestly, that is not easy! You have to have a deep rooted respect for money that not only comes from your budg

Some say that Valentine's day is all about commercialism and consumption, and to a degree I believe that. On the other hand, what if we didn't partake in so much commercialism and did just celebrate love today? I usually like talk to the kids in my son's kindergarten class when I drop him off, and they asked me why his teddy he had said "Love" on it. I said because today is Valentine's day, the day of love! One little girl said "It is?". I told her "of course it is! And when