I realize that I don’t always follow my own advice! What I budgeted for summer holidays and what we’ll spend are two different things…let’s see what the difference is. I budget $250 * 12 months = $3,000 which is a reasonable amount of money but it’s theoretically intended to cover the whole year. I think […]

Both of our girls are summer babies which means summer birthdays. I was always envious of my brother’s birthday in the summer because it meant fun presents like dingy boats, flippers and masks. Compared to a November birthday (mine) which is an ‘in between seasons’ birthday.   Some moms seem to plan their childrens’ birthdays […]

You may ask ‘What’s the point? I never go into my bank because I do everything online’. It would take a very long time to save enough cash to buy a car or a home and so when we do want to make a big purchase, most of us go to the bank and ask […]