New Year Home Budgeting
The pre-Christmas period is the peak time of the year for retail sales, and many department and other stores depend on a successful Christmas for their annual profits. There is another side to that coin: the same period is also the peak time for consumer spending. A surge in consumer spending often means a jump in borrowing to support that spending in the stores.
Even people who might normally be very careful with their finances, may feel some pressure to overspend at and …
Donating To Charity On A Budget
I always feel guilty that I can’t give to charity more than I do. But, honestly, my budget is trimmed down to the bare minimums and our income just meets those obligations with pennies to spare. Still, I feel that I should be giving something. After all, I know that there are other families struggling much harder than ours to simply provide the very basic needs of survival.
You need only to look at your budget to see that our society places a high price on the very basic …