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Spring is a perfect time to clean up your finances, including building an awareness of the kinds of debt you may have. In this post, we're talking personal loans - what they are, how they work, and my thoughts on common use cases. What they are: A personal loan is a lump sum deposited to your bank account upon approval You pay it back with a fixed monthly payment that stays the same for the life of the loan Most are unsecured, meaning they are not backed by collateral. If you

When you start to get a handle on your finances, it’s common to experience some growing pains in your friendships. Many of my clients find that as their relationship with money changes, they notice how their social circle has historically influenced their spending. This might look like a skeptical reaction when you order a tonic and lime instead of an $18 cocktail, or pressure to go to events that aren’t in your plan for the month. The change can create friction in relationsh