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personal finance

Labor Day Sales: Deal or Distraction?

Labor Day sales are everywhere—but are they really a bargain? This workshop will teach you how to tell the difference between a good deal and a marketing gimmick.

08/13/2025
Facing the Post-Summer Money Hangover

If you’re dreading your next credit card statement or avoiding your bank account after a fun-filled summer, you’re not alone.

08/13/2025
Wednesday Workshop: Fall Back Into Your Budget

As the summer winds down, it’s the perfect time to reevaluate your spending plan.

08/06/2025
Facing the Post-Summer Money Hangover

If you’re dreading your next credit card statement or avoiding your bank account after a fun-filled summer, you’re not alone.

08/06/2025
Wednesday Workshop: Why Penny Forward Exists – A Journey Toward Financial Independence

What does it mean to declare your independence—from debt, financial uncertainty, or reliance on others? In this interactive session, we’ll explore the first steps in gaining control over your money.

07/16/2025
Wednesday Workshop: Declaring Your Financial Independence

What does it mean to declare your independence—from debt, financial uncertainty, or reliance on others? In this interactive session, we’ll explore the first steps in gaining control over your money.

07/02/2025
What It’s Like to Visit a Social Security Office

Last week, I shared some thoughts on how complicated the Social Security system can be and why it’s important to stand up for yourself when facing unfair decisions. This week, I want to get personal and tell you about my own recent experience with Social Security Disability Insurance (SSDI)—and why fighting back was so important.

04/14/2025
Identity Theft With a Happy Ending: A Personal Account

When I found out my identity had been stolen, I felt embarrassed. As a former information security professional and a current financial counselor, I’m supposed to know better—right? It’s one thing to teach others how to avoid fraud, but quite another to have it happen to you. I felt overwhelmed, embarrassed, and frankly, a bit…

03/24/2025
Navigating Financial Uncertainty After the 2024 Election

Many of us woke up this morning to learn the results of the 2024 presidential election. In just a few weeks, Donald J. Trump will return to the White House. Whether you were hoping for Donald J. Trump to win or rooting for Kamala Harris, nearly half of the country is disappointed this morning, while…

11/06/2024
Book Review: “The Total Money Makeover, A Proven Plan for Financial Fitness” by Dave Ramsey

This is a review of The 2-Hour Job Search: Using Technology to Get the Right Job Faster by Steve Dalton. It’s available in audio and Braille from Bard. The book summary listed at the end of the post is from the Bard page.

06/25/2024