Be ruthless but remember be to be realistic. Hopefully, you have been keeping your spending diary up to date. Now have a good look at your spending patterns. Make a list of money spent on essential items-rent, mortgage, utility bills, fares,fuel, insurance. Do you buy your lunch each day? What about preparing your lunch at home and taking it each day? Do you drive to work? I think you get the idea.

Thursday, July 19, 2012. It smells SO good! 5 cups old fashioned rolled oats. Remember, the measurements for this recipe are not an exact science.

Wednesday, March 11, 2015. My husband and I have lived in our home for years now and the only room we have given little thought to in terms of decorating is our bedroom.

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Penny pinching solutions for hungry families. 1 cup celery, cut fine. 1 tbsp onion, minced. 1 cup plus 2 tbsp mayonnaise. Bake chicken 1 hours at 300 degrees. Season with salt, pepper, and seasoned salt.