The COVID-19 pandemic has wreaked havoc across the world. It continues to swirl around like a hurricane that refuses to leave the mainland and return to the ocean. Aside from the morbidity & mortality caused by the pandemic, there have also been significant job losses which have financially impacted millions of individuals and families. In…

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Many individuals are currently experiencing difficult financial times. Whether these difficulties are a result of a public health crisis, an economic crisis, or a self-made crisis, the common denominator is that personal finances have been severely impacted. When personal finances are impacted, many people tend to slide into survival mode, like a bear storing up…

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