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It used to be Black Friday was the kick-off for holiday shopping, but experts are saying 2020 will be a little different. In part to make up for startling deficits created by COVID-19, many retailers say they’re starting their promotions early. That means we’ll be knee-deep in holiday “Buy One, Get One” offers and “Limited…

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When the American consumer used to think about subscriptions, what probably came to mind were Reader’s Digest, Ladies Home Journal and Newsweek magazines. Today, subscriptions are likely to mean everything from exercise classes to dog food to premade meals that show up at your door.. The subscription model is loved by consumers for its convenience…

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Find the gift amid the challenges. This is one of the things I’ve working on doing throughout my life, but especially since the COVID-19 pandemic hit the US in March. It’s so easy to get caught up in the negative, isn’t it? But I’ve learned over the years, and had an unprecedented opportunity to practice…

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Is it me or does it seem like everyone’s worried about money these days?  For some of us, our jobs have disappeared due to Covid-19.  For others, we may still have our jobs, but our income has taken a nosedive due to reduced commissions, fewer hours or some other impact from the pandemic.  Feelings of…

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