Last year when we made a major life change, our income decreased by 75%. We began to strip away unneeded expenses: second vehicle, whole life insurance to term insurance, higher deductibles on our auto and homeowners insurance, gym membership, etc. Out food budget...
Just like most everyone else, I love a good sale. And right now those after-Christmas sales lure us like a siren call. But I’ve learned the hard way that is doesn’t really matter how good the sale is, I still have to ask this question, “Do I need it...
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