My Debt DilemmaThese words haunted me for many years.  I was in debt and it seemed that all of my income was being used up by payments to a variety of different banks.  I remember the feeling well.  It was crippling.  And I felt imprisoned and strangled by the money that I owed.  I beat myself up for spending more than I could pay at the end of the month.  I felt like I knew better.  Yet somehow,…

Budgeting Finances - The StruggleI struggled for many of my younger years budgeting finances.  Trying to find a way to manage money effectively was difficult.  My problem was that I always ran out of it!  And at the end of every year, I was seriously confused about where it all went.  I created countless budgets, determined to live my life according to this plan.  I was beginning to discover that budgeting finances just didn't work!Did I…