Frugal Christmas Planning Starts Today

If you think it’s too soon to be talking about Christmas, please read the following two preamble statements. Preamble #1 – I’ve got kids.  3 months before Christmas is a perfectly appropriate lead time to start talking about Christmas. Preamble #2 – I live overseas.  As my wife has been reminding me, it can take six weeks (or more) to send a package here, so if we want to get something for … [Read more...]

20 Reasons to Start a Budget

A budget is a forecasting tool, so it lets you plan your future. Budgeting is a tool that helps you reach your life goals. Every dollar you save by budgeting is better than a dollar you make working. It provides a platform for communication between a husband and wife. Motivation.  When you get a clear vision of your progress each month, you are motivated to continue forward. Self … [Read more...]