I’ve spoken to people who have said their financial situation isn’t something they can budget for, which I interpret as someone who doesn’t want to know what they’re situation is for fear of getting bad news (kind of like the person who avoids a doctor because they’re afraid of what they’ll hear). Unless you have…

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I am a Financial Planner located in the great state of New Jersey (yes, I’ve heard the joke about “which exit”, what else you got?).  Living in New Jersey puts us in a geographic area that is not only hard on the wallet, but also has many, many enticements to spend money on non-essential budget…

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