Well.. I'm finally updating my forum .  Thank goodness for photobucket.  This tools is very helpful for publishing, and I love that it's free of course.  I have some saving tips today for the holidays coming up. 

Pay YourSelf First!

Many Families spend money until it is gone. No matter how much money comes in, some bill or new purchase will take it.  Raises and bonuses all seem to vanish without a trace. 

In other familes, expenses comsume all the money and the credit too. Again, there is never any money available after all the monthly minimums are paid. 

Paying yourself first turns these problems into an advantage.  If you take just 10% of your income and pit it in a savings account at the beginning of the month, the amount of money available for spending is less.  At the end of the month, you'll wonder where all the money disappeared.  Just like you do now.  Only this time you'll know where at least 10% of it has gone.  It's sitting in a savings account earning some interest--and you probably didn't even miss it!