Budgeting is a way of managing the income and expenses of the family in order to sustain with the daily needs, pay for bills and still provide for long term goals like children education, health insurance and for planned vacations.

The housewives more or less have the toughest time in the family. This budgeting is one of the toughest amongst …

Now that our lice invasion is over we are being attacked by another invasion: debt. Due to my medical leave my boss refused to pay me the December salary and also the extra month salary we have in December. My online income saved me last month but the credit card is getting to the limit and our payday loan is …

March is arriving and as I mentioned here last year it is the month of my husband’s car insurance. The price last year was kind of high but at the time we knew it it was too late to ask for a price revision, so this year I’m thinking about it already.

Today I’m already sending an email to my …

So, last year was a difficult one for me at work. I crashed on the 22th of December and by crashed I mean I got to the bottom of the depression I was already having for quite some time.

I am having a social security leave that will be paying me 65% of my salary while I …

My Christmas Shopping is done!! Much less gifts than last year, less money spent, a positive shopping.

This year it’s evident the crisis. People are saving, cutting to minimum the money they spend. The city Christmas lights are only used in the main avenue (Red and Golden lighting) and most houses have little or none outdoor lighting.

At home …

Christmas Shopping is all over the city. People running from shop to shop searching, touching, grabbing and choosing the gifts for their love ones. I only bought my daughter’s gift because it was a gift I had to order, but for now that’s all, I have to wait for the extra Christmas payment from the …

Thursday my best friend E. decided it was time to give me some advice on my desperate and awful working days. We both went to have dinner together, the two of us, and we talked. She is 7 years older than me and she went through big issues throughout her life so we can say she has a lot to …

Well, kids are getting excited with Christmas and Christmas presents are a daily subject. From a guitar to a skate, from a Doctor Nenuco (doll) to a Skater Barbie this year we have a huge different from the last years. My son is not requesting very expensive presents. No Wii, no video games, no cell phones, no expensive …

Lately my life seems like a TV series with no end and with really bad people it.

I’m surprised with the arrogance and selfishness of some people, people that are my neighbors, people from next door.

As I mentioned on a previous post about our front yard new look, we (the condominium) were going to request a bank loan …

I can’t believe Christmas is just a few weeks ago. Time seems to run in front of me and I don’t even notice it.

Kids are already talking about Christmas gifts as well as other members of the family. Impressive…this year I have other priorities. Let’s see:

• My son wants a guitar and a skate.
• My daughter wants many, many

…

The payment of my life insurance is approaching and I already know it will have a higher amount than the last time. I guess it’s time to look for some term insurance quotes and compare them to see if I can get a cheaper one with the same conditions of the one I have now. I have this insurance since …

This is a picture of the condominium front garden where I have my house. The condo has 12 houses and this huge front garden that looks more like a dry desert.

Ever since we lived here that we have problems with the front garden. It all started with our first neighbor’s meeting where we had to decide how that garden …