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The Agony of Debt – And How to See it Differently!

 September!  I’m back from a long and lovely week of perfect weather, fun, sun and surf!  My family and I spent a week in Ocean City, NJ at the end of August and it was just the perfect wrap-up of a wonderful summer. Morning Beach in OCNJ We rode our bikes on the boardwalk (Our […]

The Dream Was Over … and It Broke My Heart

A few weeks before Christmas my 8-year old daughter went through a crisis of faith. This season, the talk amongst her 3rd grade classmates was that Santa Claus doesn’t exist. And so, my sweet, trusting, magical daughter came home one day with worry on her face and, by bedtime, tears in her eyes. She was […]