Do you remember when you didn’t have a cell phone or even more importantly now a handheld digital device? There may be a few hold outs who still don’t have one. There may be an even larger group who don’t remember when because they have always had one. This article isn’t about how we have all practically allowed this device, with it’s high initial cost and then the monthly charges plus any additional subscriptions and services, to become a mandatory and essential budget item automatically … [Read more...]