My husband, who doesn't go out anymore due to health issues, insists that I get fresh flowers. I think he enjoys it as much as I do and it's his way of giving me a gift (even if I get them). For anyone who is creative, get a nice lined basket or big bowl, some of the fresh flower foam and create your own "florist style" arrangements. You can buy some filler material at the grocery store which will last for weeks and then just buy a couple flowers to fill in as they die off. ... View related article.
Back in 1996 the bankruptcy laws changed a great deal. You have to take credit counseling classes before and after. You can do all the paperwork yourself. Go to the government website through the court links. They tell you how to file without an attorney. The mandatory classes can be taken online. I believe the classes are 50-100 and the bankrucptcy is about 250. It may have changed since we had to file in Sept 2006. Keep your spirits up, you can recover from financial difficulties, we finally have, three years later. You could check out the non-profit credit counseling to see if they can get debt write off - just be careful with that as the cancellation of debt ends up as income and you end up owing a lot of income taxes.
Since there are only two of us, I freeze serving portions of bacon. I cook it right from the freezer. I find cooking slowly keeps the bacon straight and from shrinking.
Frugal is a great word, so is thrifty. My husband and I used to have money, credit card debt and worries. We lost it all. Now I "do what I can" by making gifts (food, sew, knit, crochet, embellish thrift shop/bargain selections), buying groceries in bulk and freezing meal size portions. We're happy enjoying what's really important - home and family.
It's not easy getting started and learning to make good choices of how to spend money, but it's worth it - all it takes now is a little thought and a little planning. ... View related article.
