list of ways to curb spending through the holidays

A few years ago, I had noticed a trend. Liberally spending money begins in October, picks up in November, and is full-blown by December. I have several theories on why this happens: a bombardment of advertising to get me to spend, more activities… Read More

list of ways to save money on christmas gifts

ways to save money on christmas gifts

Guest Blogger – Clair Boone Christmas is a-coming and in a frugal household that may evoke a couple of emotions a) The dreaded fear of what to give and how to make it count when you don’t want to spend a lot of… Read More

list of funds to create when establishing a budget

planning for budget items

For some things we pay regularly each month (i.e. bills). Other expenses we know will come up, but because they are not as regular, it is hard to know where they fit in the budget. Here are some of those less than regular… Read More

list of things to save money for throughout the year

list of things to save money for the year

There are the usual monthly bills that everyone has to pay. For those things, we are prepared. Then there are those expenses that either we know we will have to pay at some point or that have a tendency to surprise us. These… Read More