Our theme song for the month should be Rick Ross’s “Everyday I’m Hustlin’” because that’s exactly what we did this month. I mentioned in September’s Debt Payoff Report that it was officially Q4 and this…

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The use of money envelopes in budgeting is not a new system, but it is one that is lesser used. Growing up the only kind of budgeting I knew about was the ledger in a…

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