Tis the season to “overuse those credit cards!”  You may be aware of this dynamic, but businesses love for you to use your credit card, because studies show that a vast majority of people spend more per purchase when using a credit card versus cash.  Now that we are into the holiday buying season, the temptation to overspend is very strong for many of us!

I am heading to a leading financial guru’s counselor’s training in early December, so I have begun the preparation process these past few weeks. I am really enjoying the journey! This particular expert’s point of view hits home with me because it is a common sense, disciplined approach. There are many “Get Rich Quick” folks out there that prey on people. We see so many people today in a difficult financial position that they just don’t know how to move forward. They are paralyzed with fear, so often, they do nothing.