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Uses for Christmas LightsDon't pack away the lights. When you pack away your Christmas decorations, leave out a strand of clear lights. You can use these to brighten a room on some of the dull, gray winter days ahead. There are numerous ways to include these lights in your home decor.


Doodle sitting

Doodle (Beagle)A year and a half ago, I saw Doodle's picture on an animal shelter's "adoptable pets" site and immediately fell in love with her. As soon as the shelter worker brought her out, that love intensified and Doodle became a permanent member of our family.


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Budget Friendly Ways to Beat the Winter BlahsAs the cold gray months of winter drag on, you may begin to experience the winter blahs. There are various budget friendly ways to lift your spirit during winter's gray period.


A young tortiseshell kitten playing with a toy.

Adopting a Shelter Cat or KittenI strongly recommend that anyone who is wanting to add a kitten or cat to their life, do so by adopting one from a shelter or rescue organization. I have done this often and have found the following tips helpful when bringing home a cat or kitten from a shelter.


A hammock on a sandy beach.

Seven Mood Lifting ActivitiesKeep an uplifting photo of your child, grandchild, pet, or favorite vacation spot on your desk, near your work area, or in your purse or wallet.


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The 24/7 Rule For Impulse ShoppingOne instant budget breaker is impulse buying. Stores create displays that are so enticing it's hard to resist wandering over to them and buying something that is most definitely not on the shopping list. Spontaneous shopping is seldom a good choice.


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Stock Up On Candy CanesCandy canes may be one of the least expensive holiday decorations and treats you can buy. Purchase a supply to incorporate into your holiday decorations. You can find various craft ideas that include candy canes.


bowl of Cauliflower Salad

Cauliflower SaladThis is a low carb alternative to potato salad. It's a great dish to prepare for a potluck, a picnic or to serve your family.


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Decorating With BooksWhat do you do when your collection of books exceeds the space on your bookshelf? Make your books a functional part of your decor. Stack them on the floor, add a piece of glass or wood and use them as a base for a small table.


Always Have Hope - Rescued Plant - blooming dark pink mum

Always Have Hope - Rescued PlantI rescued this plant from someone who was going to "trash it" after its first blooming. The plant was almost dead when I got it last year. I'm always trying to save things that other people have given up on or abandoned. After a summer of good care, this is the reward I got this fall.


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Stretching Your Retirement DollarsEven if you have spent years living a frugal lifestyle in order to save for your retirement years, a change in income might make it necessary for you to pinch pennies a little tighter than you anticipated following retirement.


Shop at Home to Save Money

Shop at Home to Save MoneyAlthough, I'm not a packrat, there are times when my pantry, closets and cabinets can get rather full. This is when I go on a home shopping spree.


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My Frugal Life: Financial DietingI have found that frugal living requires many of the same tactics and disciplines as dieting to lose weight or dieting to improve your health. I found it very helpful to pull ideas from standard dieting plans to assist me with my financial diet.


A pantry full of cans of food.

Developing a Frugal LifestyleI used to think that frugal living centered around clipping coupons and buying items on sale. I have come to realize that frugal living is a lifestyle that can be developed by adopting specific money-saving habits. Getting and staying organized can be the foundation upon which the many other frugal living habits such as simplifying, scheduling and budgeting, can be successfully implemented.


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My Frugal Life: The Danger of Preparing a BudgetAs odd as it may seem, just the act of writing down a budget can have an adverse or possibly even reverse affect on your attempt to save money. Have you ever decided to go on a diet and immediately began craving something sweet?


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