If You Plan on Spending, You Need a Spending Plan By Judy Heft

If You Plan on Spending, You Need a Spending Plan

We’ve all messed up on diets, we’ve all skipped a month (or two) at the gym. In one way or another, sometimes after way more than two months, we eventually learn that we haven’t ruined anything by not sticking to our original plan. We just need to get back on… Continue Reading..

Strategies for Surviving Student Loans

I rarely get calls about student loans, but last week I received two in one day. Call #1 was from a financial advisor who wanted to talk about one of his clients. The client had contacted him out of exasperation at her children’s dire economic straits, which were largely due… Continue Reading..

Spending Plans

The word “budget” is perhaps the only four-letter word that has six letters. That is why I don’t do budgets with my clients. We figure out spending plans instead. And each spending plan I help to draw up is as unique as the person it is tailored to. However, no… Continue Reading..