When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.

I'm keenly aware of how important it is to set a good example. You may not think that your kids are paying attention to you, especially with something like money, but they probably are.

I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.

You don't need to waste money on a fancy program or app to do a basic budget. I've been using a simple Excel spreadsheet since 2005 to track my monthly budget.

Having fun time is a good use of your money.

I understand and respect people who say they want to boycott the Trump brand. I also respect your right to buy his products. But what you miss is that no one in public office, Hilary or Trump should use that platform to profit themselves. In Trump's case there are serious concerns about the conflict of interest in his brand and business ownership. Do we really want a president who had products he can push while working for the American people?