Wow - it's suddenly windy and chilly here. I do love this time of year but yet I feel like it just came out of nowhere, I mean, feel totally unprepared - we still have our air conditioners in!

Fall means we're getting close to the end of the year and that means big bills are due. Just got the yearly car insurance bill and the yearly bill for my life insurance. I have term life insurance but my 'term' is almost up. I honestly don't know what to do at this point in regards to life insurance :[

Being an independent contractor doesn't help because it's not like my job offers any type of life insurance, so I'm on my own to find the nest deal. There is a big debate on what's better, whole life insurance or term life insurance - I'd love some opinions please!