If you haven’t been much of a budgeter in the past now might be the perfect time to stop and think about putting one into place. The economy is in a pretty rough place right now with people losing jobs and being laid off left and right. It’s time to sit down and take a look at the income you have coming in and the money you have going out.
It’s sound simple enough (knowing what you have coming in versus what you are paying out) but so many people don’t …

Image by martin cruze via Flickr

Saving money is the reality show of the moment. This new reality that is part of our world now make us do all the efforts to buy cheap, avoid unnecessary products, save energy, gas and water. We have to be prepared for the future, there are houses to pay, cars to be bought, kids need to have a steady future school program and we, the parents, are responsible to make all that we can to provide a good future to our kids and ourselves.
There are …

Speaking of starting New Year with two steady incomes and card debt under control I must say that January 5th was definitely not a good day for news about our financial life.
To explain how things work, I have a steady income from my full time work, every month the same amount, I always know how much money I can count with. My husband has a very low steady salary and receives extra hours when he do them, meaning that if he makes 50 extra hours a month he receives his …

Life has been good to me, I have both parents alive, I have a husband I love and that loves me a lot, two wonderful kids that drive me crazy but that I love more than anything in the world, I’ve got a full time job so, you might say, I have a wonderful life. Why don’t I have the same opinion? Am going having a depression or am I just an unsatisfied person?
Some of the points ‘m about to express were never mentioned on this blog, but having a …

Year 2009 is here and it’s time to start the year with a positive way of looking at the problems. I think happiness should be one of the goals for 2009 therefore today I bring here 30 advices for a happier life.
Although I think I am a realistic person, most people say I am too pessimist therefore I usually give a lot of importance and feel real bad when I can’t achieve my goals. I really need to get a positive and healthier vision of my life because happiness depends …

Shopping with kids can be difficult at times but it can also be efficient and fun shopping expedition with children.
Depending on the age of the children, it might be critical to ensure the children are well rested at the start of the shopping trip and that the trip does not last so long that the child will be tired out before the end of the trip. This is very important especially in the case of young children who still take daily naps.
If you plan on Christmas shopping with a child …

I can say I’m a little more Green Living now.
Last weekend my DH bought energy saving lights for almost all rooms in the house. I say almost because the kitchen still has the old fluorescent light. It is a major change in the house environment, before I had yellowish rooms due to the old light bulbs and now I have white rooms.
The energy saving lights are very expensive but it was an investment and I’m happy with the result.
However energy saving lights have a disadvantage, as the room are brighter …