Having been placed in the debt management program for more than two years, I am still grateful that I am in the program.
Had I not been in the program, I wouldn’t have been able to save money. Yup, I have had quite a big chunk a emergency fund now! ^.^
I am glad that I don’t have to rely on cash advance loans to pay bills and expenses like some of my buddies do.
Yes, I am grateful to God!
I thank God for increasing income and healthy body. I try to say a thankful prayer every day, if possible.
With the increasing income, I can pay down my debt faster and save more money as emergency fund.
Sometimes I do dream what I should do once all the debt is paid off and there is a huge sum of the emergency fund in the bank. Investing in gold and buying a new home?
Speaking of buying a new home, there’s no harm checking out Austin homes for sale once in a while.
Who knows? Maybe my dream will come true one day!
I am relieved that hubby has fully recovered from his sickness and is back to school today.
He is his usual self again, full of energy and noise. 
To avoid hubby from getting sick easily, I have already ordered a few more bottles of multivitamins to increase his immune system and milk thistle supplements to protect his liver with coupons.
Hubby’s liver function has always been not so good, so he needs milk thistles to help detox the toxins from his liver and rejuvenate liver cells.
In case you are thinking of buying supplements too, use Vita Springs coupon codes to save money.
Coupon Code HFS79 is for orders over $79.
It’s time to get some new lingerie for new year! Of course, new clothes, shoes, accessories, …
Year 2010 is a fruitful year for me because I get to save some money as emergency fund besides having extra money to spend on shopping.
Hopefully, year 2011 is also a great year that brings in money making and saving opportunities.
Thank God for making saving and earning money easy for me this year. Thank You. Amen.
Moving to the rented flat is definitely a wise decision! Since moving here, I have been cooking most of the meals at home.
I must say that it’s so much cheaper to cook at home than eating out. I never knew that cooking home-cooked meals can save so much money.
I think I can cut down the food and meal expenses by half if I make use of the best home budget software properly.
Imagine saving the rest of the food and meal money into my own personal saving account! Wuahaha!
I find that doing yoga and meditation is great when it comes to relieving stress. I am under a lot of pressure recently due to my hubby’s new job and mine.
To reduce stress, I make sure that I practice yoga daily and do meditation whenever I can. To encourage me to practice diligently, hubby shopped secretly online and ordered a few yoga tank tops and pants for me ! What a surprise !
As for himself, he bought some travel gear such as travel backpacks and money belts.