Happy SMART Day Everyone!

Our new "shared" yard saves us about $7,000 a year!

When was your last raise?  Everyone I know would love to have one, but they don’t usually come all that often.  Still, if we consider that a raise is just a new inflow of money—we all have one readily available.    That new inflow or “raise” in income is always within your grasp by simply cutting your overhead or monthly expenses.   And even if the idea of cutting back sounds like a sacrifice, you may just discover that reducing overhead—especially when unnecessary or unused—can actually be a pleasure.  And your pocketbook will thank you as well. [Read more…]