It’s a good time for a good change

via individuallocker.com A new year always beckons change. Every year, after the magic of Christmas has settled, it’s time to look around and take stock of where you are and decide if you’re in the right place and headed in the right direction. I’ve been unsettled personally for much of 2015 and 2016. I knew …

No spend November: A review

It’s officially DecemberĀ and that means No Spend November has officially come to a close. I’d like to talk a little about the experience itself, my change in mindset, and the whole point of taking part in a no spend month. What did I learn? Once you get going with the no spend rule, it’s sort …