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Why are those two little words so hard? I NEED a glass of water, I WANT those new earrings. I NEED sleep, I WANT a manicure. Just how and where do you draw the line between a want and a need? To complicate matters even more, a lot of it really depends on your culture.   In America, most of...

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What’s a family on furlough to do with the holidays around the corner? How can you cut a tight budget even tighter? These are questions I find myself asking these days, but I think I found an answer.   Along with making a lot of my gifts this year (baking goodies mostly), I’m...

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We’ve had a bit of rain at our house lately. Not literal rain, but the bad-luck kind. Man cub is having some school struggles. Tenth grade is proving to be tougher that we’d hoped. He’s trying hard, but still sliding down into the pit of “bad grades.” Then...

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Now, I’m not one to climb up on a soap box too often, but I heard something on NPR this morning that was so shocking, it caused me physical chest pain. The Sacramento Board of Supervisors is looking at cutting funding to our local Child Protection Services Agency by 85%. They want to lay...

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Everyone has been affected by furloughs and the weak economy. From our homes not being worth what we paid for them to the high price of gas, it seems everyone I know is struggling to make ends meet (myself included.) Here are some ways that I recently re-assessed our spending and squeezed more...

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Last Friday my husband and I hopped in the car and drove to Lake Tahoe to elope. We had planned this only a few days before and felt like a couple of giddy teenagers as the music blasted and the car curved its way out of state. Man-cub had been gone all week in Wyoming with his grandparents and...

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Having been a single mom to young children and now teenage daughters (and unemployed hubby) I've learned a few tricks on how to stretch a dollar =) Here are my personal thoughts - 1) Trade with friends - need toys for kids? clothes? It may be old for them, but new to you and your kids! You...

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In this tightening economy and with the State giving us all IOU’s rather than a check, how can you make money out of nothing? I’ll tell you how (and it’s not by throwing parties or spending money!)   -Clean out that garage and have a yard sale. I have yet to clean out my...

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This economy is scary. Mom and Pop shops are folding like cards in the wind; people are losing their jobs, homes and futures. I worry more every day about what kind of a world we will be living in come another year or two. Teachers being laid off (again), schools closing… the wheels of our...

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I personally hate the stressful frenzy of consumerism that seems to weigh down on everyone like a Hummer truck this time of year. It also seems to start earlier and earlier! Now you just don’t want to have the best looking winter holiday house, but you must have all those Halloween/fall...

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I now have $17 more a month in our budget!  Where did this money come from? I can now say with confidence that my son, at almost 6, is out of night time pull-ups. Yippee!!!!! He has been out of them for over a month. But I was waking him up for a potty trip once every night. Only one wet...

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I was recently inspired by the finale 'The Next Food Network Star".  I love to cook but rarely make the time for from-scratch dinners. Take that and mix it with the fact that I really need to get a handle on my grocery budget and meal planning.  I recently joined Thegrocerygame.com...

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I have an issue I struggle with. Consumerism. On one hand I believe in reduce, re-use and recycle. I buy second hand, sales and take hand-me-downs from my aunt. I watch my budget closely and can pinch a penny well. Then something happens, I transmorph into a materialistic superficial elitist. I...

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My family and I had been planning a Spring Break vacation to Hawaii for some time now. It was something I was really looking forward to. We had the dates all set, March 24th-28th. As the date drew near, we started seriously looking at vacation packages. We were pretty shocked. For a family of...

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