If your utility bills were high last winter, you may be able to lower them this year by making some smart alterations to your home now. Being energy efficient doesn’t have to cost a lot of money-it’s possible to make a big difference for very little outlay.
Accessories add variety to your wardrobe, transforming clothes from ultra casual to dressed up, or taking a simple outfit from day to evening. A few well-chosen items can make a simple, inexpensive outfit look like a designer creation.
There’s no miracle cure for getting out of debt. It requires spending less than you earn, and it can take several years.
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Buy what you want, when you want, with cash to spare
In the red? Here’s how to get back on track.
Be prepared before you go shopping! A little planning goes a long way.