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The List: Research indicates if you shop with a list and stick to it you are likely to spend as much as 30 percent less than listless (pun intended) shoppers. It also saves gas on multiple trips to the store to get something you forgot!

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Money Matters: Seven Steps to Survive and Thrive in Uncertain Economic Times


Money saving advice from Ellie Kay, America’s Family Financial Expert ®

Read Ellie Kay’s bio or visit her Web site at www.elliekay.com

I get more mileage out of a quarter than an economy car gets out of a tank of gas. You see, I’m a born saver. On the other hand, my husband, Bob, is a born spender. He’s always had a great work ethic, but when he was a kid, his paper route money never saw the inside of his pocket. Because of some financial issues early in our marriage, we had $40,000 in consumer debt with little to nothing to show for it. We also had five children in seven years and I quit my job to stay at home with them. It may sound like a recipe for financial disaster—but it wasn’t.

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