Morning Musings: November 16

Paying as I go encourages being discriminating.  If I am doing the work to balance the budget right along, I can feel the consequences of my indulgence sooner, and make adjustments in what I think is worth the work.  Dieting […]

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Morning Musings: November 15

I figure it this way, I could pay in advance or pay later.  January diet commercials attest to which method most people choose.  If I pay in advance, I am sure I will in fact pay it because I already […]

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Morning Musings: November 14

Interestingly enough, a couple of really good changes came about because of the crazy banking I would do in preparation for these cruises.  One year about a month before the cruise, I decided to give up the bagels and cream […]

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Morning Musings: November 13

One of the things I love about the ability to bank in advance is that the eating is guilt free. And I know for sure that I will pay the bill because I already did.  As much as I love […]

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Morning Musings: November 12

It is easy to overspend way above and beyond your means and not realize it.  I can’t tell you how many people I have worked with who are totally baffled by their weight.  They only overindulge one measly day per […]

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