When you’ve reached the turning point…

Photo by Ross Findon on Unsplash

I’m hearing from many people who are making real, permanent changes in their finances because of the coronavirus. They’ve been half-serious about budgeting or paying off their debts but now I’m seeing a sense of urgency.

It’s the “I’ve had it!” moment when you decide that it’s time to change. This time is different too because now you’re being propelled by that visceral feeling you get when you…