Dear Dave, I’ve been trying to work the Baby Steps, including building my emergency fund and creating a monthly budget. However, I’m having trouble transitioning to living on a budget. I get paid in the middle and end of each month, but my bills are due at different times. Can you help?
Contrary to what most moms and dads think, teens really do want rules. Rules help keep them headed in the right direction and prevent them from ending up in a place that they don’t want to be.
You want your kids to fulfill every bit of their unique purpose in life. As your children grow, you are able to direct their dreams for a while. Life is good. Then something happens. All of a sudden, seemingly overnight, everything changes.
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