It is never an apology when you include an if and/or a but in your statement. Period. No ifs, ands, or buts about it. Actor Benedict Cumberbatch recently offended many by using the word 'colored' instead of 'black' or something else in an interview. Nowhere in...

Ten years ago, Wonder Husband and I decided we had had enough - we were in a financial and marital crisis - all caused by our spending and lack-of-saving situation. We started by figuring out everything we were spending money on - and got rid of...