“It gets harder every year, I feel like I’m buying everything on credit now.” This was the statement I overheard in the store on Friday. If this is the reality you are living in right now it does not have to stay that way. Just because the majority of the population is living paycheck to paycheck and will be paying for their Christmas gifts for at least four months after Christmas does not mean that you have to live that way. You have options, and you can change your situation. If you are ready to change your life then contact me today so we can work through a plan to help you achieve your goals toward your path of financial freedom.