Take a financial inventory.

You may have a budget in mind but the only way to stick to it is to pay cash. Whether you’ve got $100 or $1000 make sure you spend just that amount by avoiding the temptation to pay for it later. Got the urge to charge? Be bold and leave every credit card at home. Try it just one time. You’ll find it is easier than you think.

Authored by: Ron Villano

Ron Villano, M.S., LMHC, ASAC is the leading expert in working through change. As a father who lost his 17-year old son in an auto accident, he always speaks from the heart. As a licensed psychotherapist and life coach, he counsels others on how to work through difficult times.

As a national speaker and author of The Zing, Ron has appeared before sold-out audiences across the country and is currently featured on the new Verizon FiOS1 network. His funny, captivating and approachable style creates the powerful, life-changing moments you have been looking for.

Ron's Podcast Link: Get through the holidays after the loss of a loved one.

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