Crankin, do your clients get charged for the session even if they don't show up? When I was seeing a counselor, that was a huge incentive (aside from the fact that I'm considerate of other people's time and keep appointments!)

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Dear Self, again,
Congratulations on continuing to be so proactive on this personal finance stuff and really starting to dig yourself out of your hole. January's been really good, and you are ready for February! Yay!!

-tulip