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A client called me to ask for financial management assistance. She divorced a few years ago and had never fully taken control of her financial life. The economy has been topsy/turve and her husband was really the one who took care of the budgeting. Her income had always been able to cover the expenses, but for the last year or so, she has been dipping into her savings. At the time she called she had depleted the savings, the mortgage was behind, student loans have been outstanding and unaddressed and there were some unpaid tax liabilities. Her ex husband had been going through his own financial hardship and no longer could afford to assist two households. Not to mention, it’s time for h

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