If saving money is on your list of resolutions for 2018, you are not alone! Unfortunately, in these challenging economic times, it can be easier said than done. However, taking small daily steps now can really add up by the end of the year. Here are some easy ways to start: Nix the ATM: We all know that the ATM machine is a wonderful convenience. But remember that every time you use an ATM that is not connected with your actual bank, you could be charged anywhere from $2.50 t

We all think of the holidays as a time to relax, and spend special moments with our loved ones. Unfortunately, it often does not work out that way! The holidays can also be a time of stress, worry and mixed feelings. Add to the unrest in our society, and we can be left feeling downright confused and disillusioned. So how can we get our peace and joy back? Here are some tips to make your holidays a joyful experience: Focus on What is Important If we all take a deep breath and

The holidays are the perfect time to help those less fortunate than ourselves. Giving back not only helps others, it makes you feel good! If you are inspired to make a difference in someone else’s life this holiday season, here are a few ideas: 1. Adopt a Family: Many charities, like the The Salvation Armyhave an Adopt-A-Family program during the holidays. When you sign up, you will be matched with a financially struggling family. You can shop for the family, and deliver thei

The holiday season is officially here, and that means holiday shopping. It is possible to indulge your loved ones with the perfect gift and not break the bank! Here are some tips to keep you on track: Set a Realistic Budget: Before you start shopping, determine how much you have available to spend. Also, don’t forget to include non-gift related items such as gift-wrap, decorations and travel expenses. Examine Your Gift List: Make sure that your list includes everyone importan

The change of seasons is a great time to reorganize your closet. Having your clothes organized makes getting ready in the mornings a snap and saves you time and frustration! Here are a few tips to get you started: 1. Assess What Stays and What Goes. Check your wardrobe for stained or worn items, and anything that is seriously out of fashion. Also, if you have not worn an item within two years, it is likely you will never wear it and it should be discarded. Be sure to donate

As challenging as getting organized can be, staying organized is the hard part, and needs to be viewed as a daily discipline. So often people make a monumental effort to get organized, only to have their busy lives take over and before you know it, the mess and clutter is back! Once you have achieved order in your life, it is important to take these simple steps to maintain what you have worked so hard for: Look at Your Daily Habits. What are things that you do everyday that

Once Halloween is here, the next two months can feel like a blur. Are you ready for the holidays? For many of us, the holidays are a stressful time of year, and become more about getting it all done, than truly enjoying what the season is about. However, with a little advanced planning and the proper attitude, the holidays can truly be a fun and magical time for you and your family. Here are a few tips to make it happen: 1. Adjust Your Expectations: Sometimes we are our own w

Most of us have a problem keeping our offices clear of clutter and staying organized. Our daily tasks take priority, and soon our desks are a disorganized mess of things that need to be filed, need our immediate attention, and everything in between. We all know that when your office is organized, your mind is clear to focus on the tasks at hand, and you are not spending critical time shuffling through the mess to find what you need. With a few quick adjustments, you can make

It is hard to believe, but it is almost time for the kids to go back to school. When school starts, parents are often caught off guard and despite their best efforts, the first day of school feels stressful and a bit chaotic. This year, start the year off on a calm and organized note. As a parent, if you approach the shift in routine in an organized fashion you will not only reduce your stress, but your childs' stress as well. Here are a few tips to start the school year off