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Our lives are permeated by change. Some changes we actively choose, others are thrust upon us. Purchasing a new home may be an exciting, anticipated event, but it is also a big change and may create stress.

“What would love do?” is the question I am asking myself this month as I consider each spending choice.

I don’t know about you, but I hate the word “budget.” It suggests scarcity and constriction. So, I call my budget my “financial freedom” plan.