How to Have a Happy Holiday When Money Is Tight

Worried about affording the holidays this year? How to set a budget you can live with, find free toys and holiday meals, give meaningful low-cost gifts, talk with family about scaling back, and enjoy the season without debt.

The CHANCES Book

Transform Your Life One Opportunity at a Time

Inspiring chapters, true-to-life stories, journal prompts, and a bonus book to help you notice your next chance and find the courage to take it.

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Play kindness forward with friends and family!

🃏 Get the CHANCES Card Game, $5