The Best Holiday Gift Is a Blessing to Stay Out of Debt

A public spending pact is the most effective way to avoid stressful holiday debt. And it has one of the greatest returns of all gifts you can give.
Ideas, resources, and templates to help you manage your money, including tracking spending, budgeting, saving money, debt payoff, and increasing your net worth.
Prices are up. Markets are down. And across the economic spectrum, people are feeling the squeeze. Many of us are becoming more intentional with our money. Above all, we’re trying to keep expenses under control. But this is easier said…