Discover how to prioritize your spending and save for what truly matters.

1. Educational Purposes Only The information provided on Cents of Purpose (the “Site”) is for general educational and informational purposes only. It is not intended as, and should not be understood or construed as, professional financial, legal, or tax advice.

2. Not a Financial Advisor I am not a certified financial planner, accountant, or attorney. The content on this blog represents my personal opinions and experiences with debt and budgeting. Your financial situation is unique, and you should consult with a professional financial advisor before making any major financial decisions.

3. No Professional-Client Relationship Reading this website or using my materials (such as templates or guides) does not create a professional-client relationship between you and Cents of Purpose.

4. Accuracy of Information While I strive to provide accurate and up-to-date information, the financial landscape changes frequently. Interest rates, bank terms, and government policies mentioned on this site may have changed since the time of writing. I cannot guarantee that all information is perfectly accurate or current at all times.

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6. Limitation of Liability You agree that Cents of Purpose and its owners are not liable for any success or failure of your financial decisions that are directly or indirectly related to the information presented on this website. You use this information at your own risk.