It’s certainly been a whacky year. We’ve all had our opinions on how things should have been done. Some of us have had to trust in the government’s support when our jobs got put on hold. We’ve done what is necessary to hang on and keep going.

Imagine with me. It’s cool outside. You feel the crisp air of fall settling in. A leaf falls onto the windshield of your car and you know that the impending cold winter is around the corner. You’ve enjoyed the sweet summer warmth. You’re not quite ready for what’s ahead. What do you do?

Who doesn’t look forward to pay day? It’s that great time where you can watch your bank account climb and feel that hard work pay off. If you’re hard at work trying to pay off debt, give yourself a little allowance each pay.

The first part of taking back control of your finances is by creating a budget. If the thought of doing a budget makes you wince, stick with me. It’s not as bad as you think.

If you want to win at something, you have to have goals! What do you want in life? What are you fighting for? Do you have dreams? Hold onto hope and fight with grit!