Improving one’s personal finances takes some changes. The easiest ones to make are the ones that don’t seem like sacrifice, or aren’t too big a sacrifice. In our efforts to build up our savings again, we’ll try changing our milk habits. Switching from lactose-free milk in the carton to powdered milk may be a change … Read more
We’re doing Christmas gift-opening a couple of times this year because we’re traveling around to see family. Tonight we spent some time opening part of our gifts. Yesterday after work I had only a few last-minute Christmas gifts to get, and it was a fairly fast and painless process, even at the start of the … Read more
Food is usually a substantial part of a household’s budget. Fortunately, there’s also lots of opportunity for saving money on food. The big budget-killer is usually dining out, so reducing the eating out to a minimum is low-hanging fruit. Beyond that, it’s a matter of spending time to get good deals on food and preparing … Read more
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