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As some of you know, I celebrated a birthday last month. *Thirty-third, but who’s counting…. I’d like to tell you how I spent my birthday, because it was one of the most enjoyable and meaningful days I’ve had in a long time. June 11th, 2026 8:30 AM. Wake up, no alarm. Make coffee 9:00 AM. Pie for breakfast. And coffee, of course 9:30 AM. Walk to Pike Place Market 10:00 AM. Buy myself a big ol’ bouquet from one of the flower stands 10:30 AM. Walk home along the waterfront 11:

At the end of the month, you tally up your spending in that one stubborn category - whether it’s dining out, Ubers, or Nikes - and find that you’re over budget. Again. Cue the spiral: “I’m so irresponsible! How did I let this happen? Why can’t I be good with money?” Fast forward to next month: rinse and repeat. If this sounds familiar, you’re not alone - and you’re not doomed to overspending for eternity. A gentle approach can effectively change your behavior and your mindset

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