Thanksgiving, Christmas, and New Year's are just around the corner! Many people will experience enormous pressure to overspend, max out credit cards, use buy-now-pay-later financing, take out personal loans, or succumb to payday loans in an effort to please others or fill their empty hearts. I know because I once lived through that feeling of [...]

Early in our marriage, my wife, Ann, worked with a remarkable single mom. She immigrated to the United States with her former husband who was a soldier at the time. Shortly after they arrived in this nation, which was very foreign to her, she delivered their child, and he exited their lives. She found herself [...]