Is anyone happy out there?

MOSTLY a rhetorical question, because I am sure there are lots and lots of folks out there who are not depressed or enduring painful hardships. I must not be reading enough of their blogs, though. I need to expand my search and FIND THEM NOW.Earlier today a dear friend remarked that I always sound happy…

My daughter’s apron strings

My daughter and I had yet another text discussion about finances. I am her go-to sounding board for budgets and financial matters, which is actually a pretty nice place for me to be. This latest question was about a home purchase with less than 20% downpayment saved. While C has wanted to buy a home…