Shop the store sales and create your weekly meal plan around the sale; don’t make a plan and shop for your plan; you will spend up to 70% more a week on groceries that way!!

Start your Holiday Cleaning early, one room at a time, one corner at a time.. once you are “slowly” getting done….. it will leave you relaxed knowing all will be done in time for Thanksgiving Dinner and will make less stress in your life….

Make a Holiday Plan with everything that you wish to accomplish; and slowly mark off what you have finished; don’t wait till the last day and stress out.. there are 6 weeks to Christmas start now and enjoy the Holiday Season with your loved ones!!

Christmas is just around the corner and that also means a ton of new Toys, cloth or whatever is on your wish list this year; start cleaning out the old and donate it in time for the Holiday to make room for all the new. My Kids do that every year, each makes a donation… Read More »

If you are without a cell phone contract but your monthly FEES are way too high, look into a Pay as you go plan. I recently switched from a contract to a Pay as you go and I spend only $25/ month and I even have a Smart phone now with internet and e-mail access!!… Read More »

Set a limit for Christmas spending and only use CASH!! If you can only afford a small amount that’s fine, no one will judge you if they only received one item or a $20 item. It’s the thought that counts and you are not in Debt come January 1st!!!