Maria Baugh

Are you generous with your time and money? If you're like most Americans, you probably are.According to a recent report by the Charities Aid Foundation, 61 percent of Americans said they volunteered or made financial contributions to a charity organization last year.

Those three words can conjure up images of long and boring HR presentations, endless forms to fill out, and hard-to-decipher health insurance fine print. And let’s be honest—these days, health plan changes are rarely for the better. According to a 2016 Segal Health Plan Trend Cost Survey, medical costs will increase for most medical plans, with Fee for Service plans expected to rise 10.4%, and high deductible and Preferred Provider Organization plans rising about 8%.

It starts out innocently enough. You treat yourself to another massage at the end of a bad day—and you just happen to not mention it to your partner … either time. Then you splurge on a new fitness gadget (it was on sale!), and when your significant other asks about it, you shrug it off and say you’ve had it for a while. You didn’t plan to deceive your partner. It just happened.