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Pamper Yourself Without Breaking the Bank

If you feel like you will break your budget without adding some room for pampering, you are not alone. It is important to allow yourself a little bit of wiggle room. It is important to pamper yourself occasionally. You may want to reward yourself for reaching a savings goal, or just take a short break from paying off all that debt. You may be in a great place financially, but just do not want to spend a lot of money on pampering yourself. Here are three different ways to pamper yourself. 1) If you would like a nice massage, but … Continue reading →

Realistic Splurges

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I recently read an article about things that moms should splurge on. I eagerly read it, I’m always looking for ways to splurge without feeling guilty and breaking the bank. Unfortunately this list was for married moms or at least moms in a better financial position than most single moms. It was great advice but really didn’t apply to me. One of the suggestions was a really nice, all purpose purse. Since Hailey started school my purse is more function than fashion, after all, kids backpacks aren’t cheap and have to be replaced fairly often so there goes the money … Continue reading →

Fish Pedicure

Are you ready for the fish pedicure? Yes, you read that right. A spa in northern Virginia is offering a special treatment for dry, callused feet. Just dip your toes into a tank full of fish and they’ll nibble the dead, dry skin off your feet. Sounds great…? The fish in question is known as the doctor fish (officially, it’s called garra rufa). They thrive in hot water that doesn’t support much other plant or animal life — the doctor fish learned to feed on whatever was available. Apparently the menu includes dead skin. The doctor fish don’t actually have … Continue reading →

How Much Are You Paying for the Perks?

How much are the perks and the benefits really costing you? You may be surprised at the cost of the free items that you receive. You may also be surprised at how the loss leader items in a store’s ad may end up costing you more money, since you are shopping at a more expensive store. For example my husband wants to purchase the new operating system for Macs. One of the things that Apple does so well is promoting a lifestyle and general buzz around its products. We qualify for a forty dollar discount on the software due to … Continue reading →

10 Ways to Spend Fun Money

One of the most important keys to having a budget work is to have money set aside for frivolous spending. The amount varies depending on your budget and how tight you are, but that money is a key in helping you stay on budget. It can save you from going crazy and spending even though you do not have money to. You can spend hours thinking about ways to spend the money and decide the best way each month or you can save it for a few months and get a large ticket item. This is money you don’t have … Continue reading →

Should I Splurge?

Are there times when you should go ahead and splurge? Do you need to live your entire life on a budget, buying inexpensive items? When is it okay to spend a little extra, and when should you not? If you have been intent on saving money and getting out of debt, it may be difficult to let yourself spend a little extra money. Here are four questions to ask yourself. 1) Can you pay cash for the item? If you answered yes, then you should be fine purchasing the splurge or upgrading your purchase. If you answered no, then you … Continue reading →

Dear Heather … What is Lymphatic Massage?

Dear Heather, I was listening to the radio this morning and there was a lady on there talking about lymphatic massage. She made it sound like it’s the way to go if you want to burn off cellulite and firm up even if you do exercise regularly – but what I wasn’t getting from the radio show was – what is lymphatic massage? Do you know what it is and what it’s good for? – Curious in New Mexico Good morning Curious in New Mexico, I did some research of my own after I got your question. Lymphatic massage is … Continue reading →

Does Your Budget Make You Feel Poor?

One reason that many people hate budgets is because it makes them feel poor. It can be difficult to stop spending money any way that you want to. It takes time to become used to spending within the limits of your budget. You may feel that you are cutting back on things (like eating out, toys, and leisure items) and not seeing an immediate benefit. If you feel poor then your attitude about your money and life will change negatively. Here are four ways to stick to a budget without feeling poor. 1) Make sure that you and your husband … Continue reading →