(taken from Winter 2009 issue of Housewarming newsletter)


  • Make extra payments of $20 a month on your current short-term debt
  • Start saving – start with 1% of your income per month
  • Pile your groceries in a hand basket or reusable grocery bags placed in a cart
  • Reconcile your checkbook on a weekly or monthly basis
  • Give yourself a weekly allowance; save the rest
  • Opt for a charitable donation instead of giving an expensive gift this season
  • Cut costs – go back to the basics in your exercise routine and cleaning products


Want more tips? Subscribe to our mailing list!  It’s FREE!



I am a

Welcome; you have successfully subscribed!