Hopefully by now you have started your Christmas shopping. Whether you are shopping at a store or online at the numerous web stores there are hidden holiday costs that you are probably not thinking about. This is a point often overlook by consumers while they are trying to stay in the confines of their household […]
In today’s climate, many people are turning to a simpler way of life. They are looking for frugal living, this is not some strange concept and it just means looking at ways in which you can live simpler lives, less need for spending, perhaps growing your own produce. But to start on this path can […]
My goodness, here we are just a few weeks away from 2013. I don’t know about you but I certainly wonder where this past year went – it seems to have just sped by. With the new year soon arriving, now would be an excellent time to reflect on this year’s budgeting. Do you feel […]
Have you ever sat down, carefully worked out a budget, begun following it for several months and then just ditched it? I certainly have. In fact, when I was young, I must have started and stopped budgeting three or four times before I was able to create one and stay on it.
Saving money is always a good thing unless you’re like my friend Fred who recently told me he’d saved money by purchasing a $500 laptop computer for $400. “Look,” he said, “I just saved $100.” No, when you spend $400 on a computer, you haven’t saved anything. You just spent $400.