Substitute your Soda for a Bottle of water today, just one little change will make you feel so much more energetic :0)

Call, txt or e-mail someone real quick that you’ve been thinking about them :0) Make someone’s day

If you own a house, don’t look at it if the value is up or down; as long as you love your house and the monthly payments are within your means, why worry about the value?

Get rid of Private Mortgage Insurance. If your down payment was less than 20%, you are probably paying PMI. Once you have a 20% cushion through reducing your debt and home appreciation, contact your mortgage company to start the process of removing the PMI. Will save you sometimes $100 a month

Have you ever thought about changing plastic bags to reusable bags; disposable diapers to cloth diapers or paper towels to cloth towels? The end result is the same, but you will keep a lot more money in your wallet in the long run and a lot less going into your trash :0)

Make a simple home coked meal for your family today; spend some together time and talk to your kids about their day :0)