Hi Reader, Can you believe it’s already the end of October? The year feels like it’s racing by and before we know it, we’ll be heading into the holidays. This month, I’ve been thinking a lot about balance - balancing budgets, time and expectations. Especially as the season of giving (and spending) starts creeping closer. If September was about fresh starts, October is about steady steps. The kind that help you stay grounded when life (and money) start to speed up. So grab your cozy drink of...