by  Kevin Smith   

Not all spending is welcomed. Stress Free ResponseHow to respond

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by  Kevin Smith   

A current client came to me a few years ago and did not understand at that time why I was showing a credit balance on his financials when he paid his full balance due every month.  Like many people he was not thinking about his revolving balance.  He was meeting his minimum balance requirements to

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by  Kevin Smith   

It is so easy to do.  You know income from that sale you made is coming your way or money from your regular paycheck will hit your bank account soon.  Today, your financial resources are running low.  You are being pulled into a decision to spend your future income today.  What do you do?  For

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