Goals don't have to be these big, fancy ideas. Learn the two things needed to achieve any goal you set for yourself.

Backing out of plans is not fun, but I couldn't explain that I didn't have gas money and my credit card was maxed out. So I was fickle.

Money influencers are important because we want a guide and mentor. A money influencer will help you with spending habits and paying debts.

Talking about money in January can be difficult. Either we overspent during the holidays or we couldn't afford to spend enough on...