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When Showing up Is the Hardest Part Not that long ago, I underwent that procedure no one my age likes to talk about. Doing all the necessary prep to get ready for the exam was bad enough. Then, I wanted to cut and run when I saw those words on the office door: certified financial planner. But we did it. My husband and I spent several hours with planning our estate with a professional, which is a pleasant way to say we talked about getting old and dying. Actually, it wasn’t that bad. In fact, now that it’s over, I’m so glad we did the hardest thing of all: We showed up. We took those first difficult steps required to create a realistic plan that will allow us to live the second half of our lives with joy and peace instead of fear and dread. We know specifically what we have to do in the next 10 years, and as our son often quotes that great philosopher G.I. Joe, “Knowing is half the battle.” ....
4 Good Reasons to Kick the Credit Card Habit There are many reasons not to carry credit card debt. The most obvious is that it’s really expensive. And here’s a reason often overlooked: It seems so much harder to work for money you’ve already spent. But what if you do not carry any credit card debt at all? There are some who would say it is perfectly reasonable to use credit to pay for everything, provided you are able to pay it back down to $0 during the grace period. Sure, that makes for easy record-keeping, plus all those points, miles, and cash rewards that many credit card issuers offer. Even so, it’s a habit that can have a negative effect on your financial situation. ....