There will be no easier time than NOW.
Don’t put it down! Put it AWAY!

By Maurine Harrison- It’s a cold, dark winter morning. You can almost hear the school bus coming, but not quite. Your child has just stuffed the last misplaced book into the crumpled book bag sitting expectantly in an open front door. The outside lights are glaring so the bus driver will feel guilty if he doesn’t wait for your child to rocket out that door.

Without warning, a wrinkled paper waves frantically in front of your face, something that requires MONEY, something you “HAVE TO SIGN NOW” or today will be the end of the world. You dash for pen and wallet two rooms away and make it back just in time to scratch your name in the appropriate place (you hope). Money is ripped from your hand, almost before it’s out of your wallet.…