it budget

When does anything in reality ever go according to the original plan? I can easily answer that one…. almost NEVER! At least that is how it feels. In that case, what is Plan B or Plan C? Being resilient and able to pivot when things don’t go according to plan is an important life skill…

Anyone who has lived in a cold climate (or adventured to the snow, whether it be to visit friends or family during the winter holidays, to go skiing/snowboarding or simply to enjoy any of the many winter sports available) knows that the best way to combat the pervasive wet and cold is through the layering…