When traveling on a budget, one of the most often asked questions is whether it is best to travel independently, reserving your own airfare, hotel stay and sightseeing reservations, or choose a package tour where everything is set up for you in advance. Unfortunately, there is no easy answer to this question.  It is largely [...]

Target is a shopping phenomenon. It’s demographics cross every age and income strata. And no wonder. Target is all about value. Even more value can be had from Target if you know a well-kept secret — it’s markdown strategy. Target marks down different types of merchandise on different days of the week. Monday: Electronics, Kids [...]

The difference between being cheap and being frugal can be a fine line for some and a chasm for others. If you think of cheap as being about the cost of something and frugal as being about the value of something, you can usually bridge the gap. So what is the difference between cheap and [...]

You know you have a stapler somewhere around the house, but you simply can’t remember where you put it. You have a great need for the stapler, so you run out to the store and buy one. Two weeks later while rummaging through the tool chest you find the stapler you knew you had. Does [...]

How many times each week do you get on the phone trying to reach customer service for a bank, credit card company, phone company or any of hundreds of businesses that have automated voice answering systems? How long does it take you reach a human voice? Minutes, hours, or maybe never!! Although these numbers and [...]

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