For this article, we’re going to assume you are lucky enough to have employer provided insurance (that you pay partially). Typically the way this works is when you start at a job you’re given a big packet of options, which you make a semi-informed decision about, and then leave out there while you go about your life. Now is a good time to evaluate your coverage and see if you can save money.
Cleaning products are some of the most expensive things we keep around our house. A box of laundry detergent could easily be your most expensive purchase. For large families, these costs can really start to add up. So what’s the solution, let things get dirty?
The best way to avoid those hefty January credit card bills, give the Christmas gifts you really want to give, and enjoy some of the fun (but sometimes costly) activities that happen in December, is to save for the Christmas season early. With a little discipline, by December, you can have a slush fund to draw from for holiday expenses.
Here s a real quick and simple budget tip: Don t Buy Books. Ever.