Every year resolutions are made for the New Year and start strong for the month of January. In the swing of things, you coast into February but then comes March. With tax season approaching, the resolutions take a back seat and it’s all down hill from there. How can you make resolutions that last? It starts before you even begin the newfound habits. Before you make your resolutions, start with the following in mind: 1.Impactful Your resolution must have meaning… Read more

The holidays are great, but buying gifts can get expensive.  Real expensive. But if you’re like me, you enjoy giving gifts to people and watching them open it on Christmas day.  Even better is giving someone a homemade gift that you invested your own time and energy creating.  Making a homemade Christmas gift can be economical and thoughtful at the same time.  If you’re the DIY type of person, consider one of these 20 homemade Christmas gift ideas to make… Read more

For many people, God and football go in the Sunday box, chores go into the Saturday box, and work, stress, and more stress go into the Monday through Friday box. Sometimes, we will take a vacation day to get some chores done, or we might take a full week off for a stressful road-trip somewhere. Of course, before we go on this stressful trip, we need to worry about: Accommodations Bathroom stops Food Which highways we hate because we got… Read more

Abraham Lincoln Washington, DC October 3, 1863 An excerpt from Abraham Lincoln’s Thanksgiving Day proclamation. I do therefore invite my fellow-citizens…to set apart and observe the last Thursday of November next as a day of thanksgiving and praise to our beneficent Father who dwelleth in the heavens. And I recommend to them that while offering up the ascriptions justly due to Him for such singular deliverances and blessings they do also…commend to His tender care all those who have become… Read more

I’ve written before about our coupon strategy and how we save thousands of dollars with coupons each year.  But there’s another way to save money that is actually a lot of fun and it doesn’t require much work on your part. Companies still send coupons and free samples in the mail – yes, the old fashioned ‘snail’ mail.  All you have to do is request for them to send you the samples or coupons and they’ll mail it out to… Read more

Have you ever given a gift and it just didn’t have the effect you desired? Maybe you’ve given one too many gift cards and you’re ready for something different – something creative! Here are some better ways you can give and make someone’s day! Whether you are giving to a stranger or someone you know, they’ll be sure to love these gift ideas. 10 Creative Gift Ideas People Love! 1. Send a plain white card with one compliment inside. The… Read more

Debt is a major financial burden that can have you stressed out, living paycheck to paycheck, and could eventually push you into bankruptcy. Most people want to get out of debt, but they’re not exactly sure where to start. Here are a few strategies that will allow you to break free from the bondage of debt – and some that you probably shouldn’t use. Some of these you can use concurrently, and others you’ll want to use one at a… Read more

Going on vacation offers us the chance to relax and unwind – but some take it a little bit too far and throw all the rules out the window – including their budget rules! If you’re thinking of embarking on a vacation soon, think of this as a cautionary tale – and whatever you do, don’t skimp on insurance with an overly cheap vacation insurance policy. Get the right policy, e.g. travel insurance or extreme sports insurance. Transportation Risks If… Read more

Going to the movies is no longer an inexpensive night out, especially if you have a family. Where I live, movie ticket prices are bumping up to $11.75 each for a first run movie for an adult. “Student discounts” – always worth using – aren’t much help; the tickets are maybe a dollar or two cheaper. And concession prices certainly add to the expense. But there are ways to save money on entertainment, and if you go to the movies… Read more

Have you ever been in any of these situations? It’s Christmas time, and you’re wondering how you’re going to pay for all the gifts you want to buy – without going into credit card debt. It’s summer time, and you’d like to take a vacation to Hawaii. But again, you don’t want to go into debt just to enjoy it. You see a house you’d like to buy, but wonder if you have the down payment needed to get a… Read more

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