Right now, many of us are fighting to make it through the “I want it now” culture that tells us to spend today and worry about the consequences tomorrow. It’s just so easy to start living outside our means, hoping that eventually something will come through for us and help us get out from under a huge pile of debt that sometimes we get over our heads before we know what happened.

Read the full post on 4 Steps to Building a Personal Budget that Works.

Most people want to have an impact on the world and to be involved in changing it for the better. How we go about that may be radically different, but it’s usually a goal of ours none-the-less in some way, shape, or form.

We all want to make a BIG difference, but sometimes it’s very difficult knowing exactly how we can accomplish this. While we’d like to think that we can get out of bed one morning and perform some single task that miraculously solves a crisis or impacts millions of peoples, such feats are always far-fetched at best.

Read the full post on Make a (little) Difference That Actually Works.