Muscling through a period that requires great discipline – whether it’s sticking to a healthy eating plan or a budget – is sometimes followed by an itch to throw all previously agreed upon rules out the window. Let’s look at a hypothetical example. After putting a...

Getting into debt can happen almost without thought or effort. It’s so easy to convince ourselves that we need the latest and greatest of everything, from smartphones and tablets to clothes and even cars and homes. In a culture that is so driven by consumerism, it’s...