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It's Time to Get Frugal!


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: 10/23/19
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Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of (progresiveloan@yahoo.com).. So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks


Celebrate this Christmas season with joy and gladness in your heart...

I would like to bring this to the notice of the public about how i met Funding Circle Loan PLC after i lost my job and been denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i was referred to Funding Circle Plc by a very good friend, so if truly you are in need of a loan i advise you contact this Godsent lender via Email: fundingcapitalplc@gmail.com OR Call/Text +14067326622 and be free from scam' Jennie Cortez by name from United State


Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.



Greetings to everyone, Life they say is full of deceit. No torture and pain can be compare to what i Theresa L. Bernard experience in the hands of scammers, The most annoying part of it is that someone always post of receiving a loan from them which is nothing but lies and strategy to deceive and extort hard earn money from people. I was victimize several times because of that, After reading a post about them i end up trusting them without verifying, I lost more than $12,500 in the quest of obtaining a loan i sold my car defaulted in my bills but i keep on falling victim my life was a piece of trash full of mess. My kids dropped out of school, My bank denied me credit because my credit score was down already about leaving the bank with a broken heart a staff in the bank approach me and say that there is a financial institution called UP START LOAN that say yes even when banks and other financial institution says no. She advised me to give it a try to be honest i was so skeptical leaving the bank without saying a word to her. It was a month later when my eldest son was hospitalized looking up and down nothing to pay for his hospital bill devastated and confused and then i remember what the bank staff told me and i quickly went to the bank to plead with her and inquire on how to contact UP START LOAN and she gave me the details which are Email: ( upstartloan@yahoo.com ) OR call/ text customer service through +1(574) 301-1639 . After following due procedures and comply to their policy in less than 24 hours my credit of $25,000 got approved and transfer to me. I later apply for a home and startup business loan of $350,000 which i receive and i obtain a home at 2076 Simon St, Philadelphia, PA 19124. UP START LOAN is the best. ( upstartloan@yahoo.com or text/call customer service +1(574) 301-1639. Indeed they say yes when your bank and other financial institution says no.


Welcome To Chester Brain Loan Service….(Brianloancompany@yahoo.com)

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

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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.


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,.,


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


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


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


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Hello my name is GLORY FRED from USA, My life is back!!! After 8 years of marriage, my husband left me and left me with our three kids. I felt like my life was about to end, and was falling apart. I contacted you and after I explained you my problem. In just 3 days, my husband came back to us and show me and my kids much love and apologize for all the pain he have bring to the family. We solaed our issues, and we are even happier than before you are the best spell caster Dr OGUMEN i really appreciate the love spell you castes for me to get the man back to my life i will keep sharing more testimonies to people about your good work Thank you once again at (ogumensolutioncenter@yahoo.com ). in case you are in any problem you can contact this man for help he is always there in his temple to help you solve your problem Contact Email is (ogumensolutioncenter@yahoo.com )


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I rarely buy anything that isn't on sale, or cheap to begin with.

We only have two markets in our small town, plus three small department stores that carry quite a selection of food and household items that one would normally buy in the grocery store.

Living in a small town has it's advantages. Even though the selection is limited, I don't have to travel far (saves on gas) and don't have so many markets to choose from that it drives me crazy.

I've learned where to buy what on my regular items, unless I find it on sale somewhere else. I buy in bulk on sale items also. On average, I save about 33% on my grocery bill.

My next big undertaking is going to be starting and maintaining a year-round garden. It's been difficult because of chronic pain issues, but I'm devising ways to garden in easier ways, like container gardening, and raised bed gardens, etc.


There are 'levels' of store brands where I live:

* premium (priced very close to national brands)
* house (lower priced)
* discount, sometimes called NoName (very low priced)

The quality varies dramatically between the top and bottom, with the top sometimes being even better than national brands and the bottom being... ew, so much lower.

For things like waxed paper or laundry detergent, there is often so little distinction that the discount brands are the best deal, other times the discount brands are quite disgusting, low-grade and not worth half what they're priced at.

P.S. National brands will sometimes go on sale to lower than the mid-range house brand pricing, which matters if you prefer that item