photo by Rubbermaid Products
Transitioning to one income can be tough. The more time you have to plan, the easier it can be. It may seem impossible to make ends meet, but often, there are added costs to being a two-income family. Try this handy “how much does that lifestyle of hard work REALLY benefit you and your family” calculator at www.jobsformoms.com/income-test. Sometimes, it can end up being cheaper for one …

photo by hawkshop
Stores are flooded with seasonal merchandise. Decorations are bright and shiny, music is playing, and there’s bound to be something that you’re tempted to buy. It takes discipline to walk away without tossing things into your cart. Being aware of your spending means you can enjoy a debt-free holiday. Choosing cheaper alternatives will leave you more money in your holiday budget.
How do you decorate on a shoestring?
Here …

photo by somegeekintn
The holidays can be stressful. If you’re not careful, you can overspend easily. But maybe this year is worse because you don’t think your budget will allow for many gifts. It can be especially tough if you have kids. Instead of being depressed, get creative.
What types of low-cost gifts have you given?
Here are a few ideas that can help fill in the gaps.
HANDMADE TOYS: Boxes make great …

photo by jo-h
Gym memberships are a luxury not everyone can afford. And over the holidays, you might pack on a few extra pounds. Fortunately, you can still enjoy the health benefits of exercise without the costly fees, and many can be done in the comfort of your home or while doing day-to-day activities, such as housework.
How do you stay fit on a budget?
Here are a few frugal fitness ideas.
TELEVISION: …