Whether you’re a Dave Ramsay junkie or trying to learn from some big mistakes in your spending habits, it’s no secret that using credit cards encourages more spending. But I have to assume that you have some clue about how important a budget is to curbing your spending before reading this. Both credit cards and […]

Halloween costumes can be pricey. If you have more than one child, you can end up paying a small fortune. Kids wear them for a day and then hang them in the closet. Savvy shoppers buy costumes on clearance for the following year. Some costumes can be passed on to another child, swapped with friends […]

Here’s a definition by Merriam Webster Online: Frugal – characterized by or reflecting economy in the use of resources (…from Latin frugalis virtuous…) For me being frugal and living frugally is all about the choices I make. It isn’t just saving as much as I can on every little item and never spending money on […]