If you are having difficulties with your finances or if you are always focusing on what you do not have you may need to change your expectations. It is important to realize exactly what your expectations are and whether or not they are realistic financially speaking. Not everyone is going to be able to afford a new car every three years and a big new house. You may not always be able to go on the nicest vacations. It can be difficult to realize that your expectations are not realistic. It is important to realize that life comes in phases. … Continue reading →