I Got the Sweetest Hangover

“I got the sweetest hangover, I don’t wanna get over.” That’s the hook from Diana Ross’ sultry disco hit of the 1970s. And she is right: A love hangover can be “sweet, sweet, sweet.” However, if you’ve ever had an alcohol related hangover, you know it is anything but sweet. You wake up the next day, with a headache, perhaps feeling slightly nauseous and a bit parched and groggy. For those of you who don’t consumer alcohol, you may be surprised to learn that one doesn’t have to be a heavy drinker to experience a hangover. Alcohol related hangovers are much like financial hangovers – by the time you realize you have one, it is long after there’s anything you can do to prevent it. (Continue...

Smart Shopping + Smart Spending = Happy Holidays!

Some of us start saving for the holiday shopping season a full-year in advance. While others of us are looking at the calendar with utter astonishment wondering, “OMG, how many more paychecks will I get before the holidays arrive?” Ironically, both approaches require the same thing. Whether the economy is doing well or in a slump, budgets tend to get a bad rap. But the holidays seem to bring about an even deeper visceral response to the word and practice of budgeting – as if having and following one either means you don’t have enough money and/or that you are being cheap and frugal. Quite the contrary! (Continue...

It’s Time to Protect Your Time

It’s November, and all hell is about to break loose. Unlike any other time of the year, the last eight (8) weeks of the year seem to wreck havoc on our calendars. Now is when life, in general, becomes more hectic as we move deeper into the holiday season and social and family commitments increase. Similarly, work becomes crazier as we rev up efforts to close-out the year with more of our goals accomplished than not. The countdown to the end of the year and the beginning of the new can be both celebratory and depleting! Can you relate? If so, here’s a single suggestion on how this holiday season can be festive without the usual fatigue: PROTECT YOUR TIME! Here’s how you can do it? Take a month-at-a-glance look at November and December noting the appointments you already have; Designate one day of each week as “open.” On these days, make a commitment not to put anything on your calendar that isn’t already there; Add to your calendar any annual events/gatherings you plan to attend but for which you’ve yet to receive an invitation; If you are hosting any holiday events, carve out more prep time than you think you really need; If you and your family/friends are exchanging gifts, identify your shopping days and times and try to spread them out over several weeks. This is also a good time to set an overall and per person budget; Say, “no,” to any invitation that immediately causes you to feel stressed out and offer a counter-invitation for a date/time in the New Year if it’s something you really,...