• At the beginning of the year it feels like people are tight. This is the year they will be disciplined, focused and reach all there goals. Above all the regular activities of the day now they want to exercise an hour a day, do home cooked meals

  • An overwhelmed life can feel like a one way street – cramped, no way out, frustrating, shut in. Simple living gives you freedom. Without being weighed down by debt you have the freedom to take more opportunities. With margin in your day