Sandy Smith

Sandy Smith

I started this blog years ago as a way of keeping myself accountable to my own debt reduction plans. Now I'm using this site to help others get out of debt, and learn about personal finance so that they can live their best lives.

It's Not Christmas!

It’s Not Christmas!

No, it's not another rant, but this is still September and I see Christmas things everywhere. Retailers: it's not Christmas!...

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