Giving at Christmas

Giving at Christmas

If you have no other priorities, consider giving a little food in a package to your local food-bank. Within our reach we have the hungry, oppressed and the needy. Some have earthquake or flood calamities. Most have economic stress and uncertainty. If we have food,...
12 tips on how to spend in a recession

12 tips on how to spend in a recession

During an economic recession we might feel unsure of what is best to spend our money on. It seems that what has applied in the past has somehow changed. At a time when we need to know with greatest clarity how to manage our money, we feel uncertain. May I suggest...
How to become debt-free

How to become debt-free

Today, many people don’t believe that it is possible to become debt free, but if you set realistic goals, you can. In order to reduce the burden of debt in your life, you have to take the initiative to get your finances in order, establish a serious long term...
Keep track of cash

Keep track of cash

I didn’t like to write down every time I spent money. Then I made a discovery. If you find it hard to keep track of where you spend your money, there’s an easy way. This is how I keep track of spending without writing anything down on paper. If you use...
6 Gifts that cost a song

6 Gifts that cost a song

Some of the greatest gifts are not expensive. They are intangible. They are gifts of spirit. Music can bring that. Here I share with you some of the best gifts of song and music that have uplifted me this year. You can listen to them for free, and then if you choose,...
Frugal Mum shopping hints

Frugal Mum shopping hints

You can keep your family debt-free and also get out of debt by using frugal Mum several helpful hints. In the video below you’ll learn how to shop and save money. It is not easy. It requires discipline. Sometimes your family may need to get used to eating...