If you live outside of Virginia, every state has a similar program. Check with your local United Way for details.

Are you engaged or thinking about it? This fun, dynamic workshop teaches couples how to engage in conversations about money without the conflict. Participants will identify their unique "Money Personality Type", connect it with their "Primary Love Language", and learn how to work together to reach financial goals. Couples are encouraged to attend together! ***Please take "The 5 Love Languages" assessment at 5lovelanguages.com and bring the results with you.*** Register at

There is still time to register for this event! Visit www.keyfinancialsolution.com. Shaneka Sanford, Founder of "Faithfully De-Stressed", Blogger, Model, and Lifestyle Coach, will lead an enlightening session on the importance of organizing the physical and fiscal spaces in your life. When you don't have a filing system in place for important documents or an organized home or office space, you literally block the flow that promotes clarity, peace, productivity, and abundance.

One of the reasons people fall into financial trouble is because they do not have a budget or spending plan. Without one, it is difficult to have real clarity about the flow of income and expenses. As you create a monthly plan that is based upon your take-home pay, consider using the recommended percentages above. These are only meant to be a guide, your actual budget allocations will vary, depending upon your income and the unique needs of your household. Whether you use a g