I recently spent three weeks with a woman I’ve been friends with for almost 50 years. She’s the friend you can drop in for an extended visit without feeling guilty because her home feels like your home. Although we are that close, we live distinctly different lives. She owns a huge home in an urban city dwelling. I live in a one-bedroom apartment in a small Florida town. She and her husband have been married for almost thirty years. I became a widow in my late 40s. She comes from a large...

I read an article by Aliza Kelly that described the personality of a Gemini. I’m not into zodiac characteristics, but I have to say, some of her listed traits hit home. These observances, in particular, are so me. “…constantly juggling a variety of passions, hobbies, careers, and friend groups.” “… have short attention spans and are most satisfied when they can move fluidly from one idea to the next.” “…must remember to be thoughtful with their words.” Maybe not the friend groups part so...

Every source of financial advice suggests the critical need for an emergency fund. But let’s be real. It's hard to start an emergency fund when your earnings disappear as fast as they’re deposited. The income you receive today must immediately answer yesterday's bill. How can you save when everything is an emergency? This topic reminds me of a workshop I once attended called, “How To Save A Dollar When You Don’t Have A Dime To Spare.” Interesting, huh? Saving Starts Here In order to take...