Tag: saving tips

So you live paycheck to paycheck with little left for anything but the necessities? Welcome to the real world. For many married couples, counting the days to payday is a way of life. The notion of saving for a rainy day seems far-fetched. The good news is that’s probably more perception than reality.

If couples plan and stick to a budget, in most cases they can live comfortably and have funds on hand for uncertain times when income is reduced or interrupted.

With much of the nation locked in bitter cold and snowstorms, what could be better for a winter slump than shopping? Still have gift cards to cash in? Presents sitting in the garage you still need to exchange? Luckily many stores still have discounts to take advantage of. Now is the time to take full stock of the sales and mark-downs. Here are some tips to help you strategize during those dreary days when you and your spouse are looking for something fun to do.

1. Make a plan. What do you actually need?