Budgeting may not sound exciting, but it's one of the most powerful tools to master your money and reach your financial goals.

Setting a realistic budget for the holiday season is essential to avoid financial stress and debt.

Credit cards can be a powerful financial tool when used responsibly, but they can also lead to debt if not managed wisely.

We understand the burden of debt and the toll it takes on mental health and relationships. We want to help you become debt-free!

Many people have already bought their gifts for the upcoming holiday. However, I know some of you out there – me included – have waited...

Watch Sandy Change talk about the struggles of having children and managing expenses.

Watch Sandy Change's 2nd animated video on money and relationships.

Episode 1: Meet the Change - First of many Crusaders for Change, LLC Sandy Change animated videos on money and relationships.

The journey to financial freedom (getting out of debt, saving...) can be long and it can be difficult, but it also can be so rewarding.

Are you living in the dark by not planning for tomorrow but living a lovely life in the moment? I am all for living in the present and...

I really wish all of my debt would run away and disappear forever. We, Americans, are really plagued by and need to pay off debt.

I have struggled with really knowing who I am. When I am alone with me, myself and I, I wonder if I am just a wife and mother, daughter...

Welcome to the world of Change. This is the first of many Sandy Change personal finance blogs.