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People often drag themselves into my office because things have gotten so bad that they have resigned themselves to the fact that they will have to go on a budget. They longingly look at their credit cards as if they were a child going off to college for the first time. Oh how they are going to miss having them around. There were so many great times. Then they glare in my direction, daring me to try and take their precious children (credit cards) from them. Read the rest of this entry »

“The first step towards getting somewhere is to decide you’re not going to stay where you are.” — JP Morgan

If this is true, then why do I feel like I should be so much further ahead? Many of us are not satisfied with where we are in life. We are not happy with our marriage, our weight, our career, or our finances. Because of this, most of us have made a decision to improve in at least one of these areas if not all of them. Personally, I made a decision to lose 60 pounds. Five years later, I only had 105 to go. What went wrong? Read the rest of this entry »