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smart idea for saving money on christmas gifts, and not having to spend all your money in one month.(hmmm...this is a pretty good idea!)

Save Much Archives - Authentic Simplicity

#31days of living well spending zero--awesome 31 day challenge to cut out all non-essential spending

The Ground Rules {Day 1} - Living Well Spending Less™

Dave Ramsey Printable - financial plan! Lucky for me we already paid off our home. :)

Dave Ramsey's Budget Percentages

Dave Ramsey Homepage - -

debt-snowball no debt but good for some people, good teaching tool for kids to stay out of debit!!!

"Thought other people would love to know this.. because it actually works!!! Really!"

Make Your Own Foaming Hand Soap - so simple, never run out again (lemon for the kitchen)

How to get out of debt and link to 73 tips towards debt free

How I Paid Off $35,000 in Debt, and How You Can Too : zenhabits

The 52 Week Money Challenge. Definitely giving this a try this year. It would be a great way to budget for Xmas

EVERY Target shopper NEEDS to know this: If the price ends in 8, it will be marked down again. If it ends in a 4, it's the lowest it will be. Target's mark down schedule. - MONDAY: Kids’ Clothing, Stationery (office supplies, gift wrap), Electronics. TUESDAY: Women’s Clothing and Domestics. WEDNESDAY: Men’s Clothing, Toys, Health and Beauty. THURSDAY: Lingerie, Shoes, Housewares. FRIDAY: cosmetics. This is maybe the best pin EVER