Hi Everyone,

Back in early January there were two days here in Washington, DC when the high temperatures were in the 60’s.  I took advantage of the gorgeous days and went for a bike ride along the Anacostia River.  What wonderful rides they were.

Those bicycle rides reminded me of an important, sometimes overlooked part of personal finance.  Some of the most wonderful things we do are completely free like my bike ride.  I can think of lots of other things we can do that are completely free.  Here’s just one.  How about picking up the phone and talking to someone you care about and maybe haven’t talked to recently.  Completely free and maybe a conversation you’ll remember.  So often you hear from me about the other components of personal finance but don’t forget that you don’t have to spend lots and lots of money to find happiness.  Sometimes it’s just a matter of jumping on your bike or picking up the phone.

One more thing.  If you do need some assistance on the personal finance side of your life pick up the phone and call us or drop us a line.  We’re here for you and want to assist you in any way we can.