Want to learn how to save money on gifts this Christmas and not feel like a Scrooge? According to this year’s National Retail Federation holiday survey, the average American will spend close to $700 this season on gifts, cards, decorations, and the like. This is one time when you want to be below average — […]

Empty pockets never held anyone back. Only empty heads and empty hearts can do that. Norman Vincent PealeStella is a happily married woman, an expert in a specialized area of technology and a division manager in a prestigious organization. She was raised in a rural, poverty-stricken area where education was not valued, girls were expected […]

by Tracy While some lucky kids won’t be returning to school until after labor day, others like my children, are going back as soon as the second week of August. Last year, the National Retail Federation estimated that each family of school aged children would spend an average of $606.40 per family. That’s a pretty […]