Wondering how to have a debt-free Christmas? A debt-free Christmas is totally possible! My family of five has had a completely, paid-for-in-cash Christmas for the past 5 years and we'll never go back to using credit cards again. I mean, why? The stress of
When do you use your emergency fund? Yes, you should use it for emergencies only but real life sometimes gets in the way. So, is there an "okay" time to use your emergency fund when it's not really life or death?
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When my husband and I first started taking a hard look at our budget, we realized there were a lot of things that we were spending money on that were just a waste of money. There were so many things that we could either cut out completely or find ways to cut corners on to save money and live more frugally. We wound up realizing that we could save more than $700 a month just by cutting out these 11 easy expenses!11 Expenses to Stop Spending Money On – How to Start Saving Money & Living Frugal
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