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Bankruptcy: The Power of the Clean Slate

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Joanne Heim

Author of Living Simply: Choosing Less in a World of More

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Gary Foreman

Editor and publisher of The Dollar Stretcher Newsletter

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Melissa Tosetti

Editor and publisher of Budget Savvy magazine

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It's Time to Get Frugal!

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Welcome to the first 30 days of frugal living! Although you probably expect the next month to be filled with major cutbacks, you’re actually about to experience one of the most fulfilling and rewarding times of your life. By taking control of your spending habits, you are claiming ownership of where your hard-earned money goes and paying yourself back with simple pleasures.

As you begin to spend your money on things that really matter to you and quit shelling out cash for things that don’t, you’ll find your life will become a whole lot simpler. We will provide you with the success stories you need, the money-saving tips you’ll tape to your refrigerator door and the encouragement you deserve every step of the way.

DID YOU KNOW? According to the Market Science Institute, grocers depend on 60% of your purchases to be impulse buys. That’s 60% of your grocery bill spent on things you never intended to put in your cart! Think how much money you could save by simply determining ahead of time what to buy and not falling for fancy gimmicks.

BONUS TIP: Buy store-brand food. It’s usually just as good and way cheaper.

Posted: 8/18/17
«Previous Tip
twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.

chadjeff120

I gave Dr. Alli a call regarding sudden change of my wife and he made it clear to me that my wife will love me till the end of the world,that she will never leave my sight. Now me and my wife is back together again and has started doing pleasant things she hasn’t done before, he makes me happy and do what she is suppose to do as a woman without nagging. Email him for any kind of help you may need Email: allispellhelp1@gmail.com Or Phone number:+2348100772528,.,

chadjeff120

I gave Dr. Alli a call regarding sudden change of my wife and he made it clear to me that my wife will love me till the end of the world,that she will never leave my sight. Now me and my wife is back together again and has started doing pleasant things she hasn’t done before, he makes me happy and do what she is suppose to do as a woman without nagging. Email him for any kind of help you may need Email: allispellhelp1@gmail.com Or Phone number:+2348100772528

nicdave111

Sometime late September last year, I needed help for a bring back love spell after reading great reviews on Dr. Wakina and his love spell. I had a situation which I desperately needed a supernatural help on, every physical efforts made to rescue my husband has always failed. My husband stopped loving and caring for me and our children after 7 years of happy home. He did so much wrong to me, I encountered so many domestic violence from him, he turned into a professional liar, and the worst of all, and he started using drugs and alcohol. I couldn’t bear his torture anymore when he wanted a divorce. I couldn’t afford to lose my husband to a strange spirit, I knew him to be a loving man before we got married, but I didn’t know what came over him.
Doctor Wakina love spell was so great and powerful, my estranged husband’s attitude and urge for evil changed just after 8 days of the completion of the love spell. The reasons why I can recommend Dr. Wakina to anyone are, his love spell is real and it works, Doctor wakina don’t cast love spell that is against anyone’s wish and his love spell lasts for eternity. I have been observing my husband’s behavior for more than 9 months, he is still the same, he has never stopped loving me again, the love keep growing each day and we keep prospering with the blessings that follows Doctor Wakina’s love spell. That’s the reason why I can recommend him to anyone event to my worst enemy… to email him via dr.wakinalovetemple@gmail.com

lovermacoo

my name is laura On this day i am very happy to tell the
world that Evelyn is back to me thanks
to Dr. okuku who use is great powers
to cast a spell that brought Evelyn back
to me within 48 hours. I really want to
tell the world that Dr. okuku is genius
and powerful this means that is
capable to restore any broken
relationship or marriage just within the
period of 48 hours. And due to the fact
that Dr. okuku is very helpful and
must people will need is help to restore
there relationship or marriage i will
write out the contact via email:
{okukulovespell@gmail.com} or call or
add hem on whatsapp or viber
+2347063836098 Believe
me Dr. okuku is the right person to
restore your proplems just exactly
the way you want it to be.
laura obe
FROM USA