I’ve already purchased my first Christmas gift for the 2010 holiday season. That’s right. January 3rd, I saw something on clearance that my niece would love, so I bought it. For years, I’ve made a practice of picking up items here and there throughout the year, so when the Christmas season rolls around, I...
With the Christmas Holiday approaching, many of us are looking at ways to cut corners and trim our holiday budget. The first place to look is always the office. Depending on how many co-workers one has, this could easily run up to $100 or more. If you want to let your co-workers know you’re...
Many of us know the importance of having a savings account to have a cushion in case of emergencies, but we rarely take it as seriously as we need to until something drastic happens. 1. Medical bills –I recently had pain in my knee that started mild one day and by the end of...
1. If you are accustom to putting everything on a charge card and rather than banking the money to pay it off every month, you spend your cash on eating out or impulse buys, then consider this. Every time you pull out your charge card, resolve to pay half of your purchase in cash....
Home repairs and maintenance can be overwhelming, especially if you have a lot on your to-do list–and listing out the tasks is exactly what most people do. But, that may not be the most effective way to organize your task list for achieving optimal results and avoiding wasted time and money. Take, for example,...
These are tough economic times we’re facing, and with New Year’s resolutions coming up, for those of you who make them, add this one to your list. Resolve to keep the resolutions you make and view them as goals for better living. Rather than recovering from a night of partying till midnight, take January...
Oil cost at $108.85/barrel yesterday. The nationwide average for gasoline is $3.33/gallon and for diesel fuel $3.96/gallon. So, why am I opening this post with these statistics? The simple answer is that as fuel costs go higher, goods that are transported will also tend to cost more. This time of year, I’m looking forward...
Do you pay full price for groceries? Sometimes if I’m in a hurry I do. Lately, I’ve been trying to plan my trips with coupons in hand. I used to keep my coupons together in one giant binder clip. Soon I found out how cumbersome that truly was when standing in the aisle at...
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