When I first went into business for myself five years ago as a marketing and public relations consultant, I struggled with setting my fees. Even though I had been making a good salary working for someone else in this capacity, at first I found it...
One unexpected expense and all the budget comes crumbling down. It is not the same again. With having a personal battle every month to stay on budget people resort to credit cards to pay for excesses. In case you are one of them, you realize there...