Photo credit: MademoiselleBoleyn Christmas is a time of celebration. It is also a time for expenses. You know that you are going to give gifts to your family, your friends and your coworkers

Photo Credit: flickrFelix. While the back to school sales are still going on, it’s the perfect time to head down to your local office supply store and stock up on those all-important essential office supplies that you will require throughout the year. This may not be the most exciting shopping trip for you, but it is necessary, so before you head straight for the store, make sure you make a list of what items you will need to see you through the following academic year

Valentine’s Day is rapidly approaching. My kids have made handmade Valentine’s for their friends and we always bake a special dinner in honor of this holiday. I enjoy reading all the money saving tips that others have shared for how they celebrate Valentine’s day.

I have to admit that we are “receipt hoarders” here in the NotMadeofMoney household. First, we save our receipts because we use them to enter the relevant information into Quicken, the software we use for our personal finances. But there are other reasons we’ve found for keeping our receipts: Price Adjustments I hate when I purchase something and then find it on sale a week later.

I was able to hit a few after Christmas clearance sales to stock up on supplies for next year. In fact, I was at my favorite store, Target, early one morning as the employees were putting up those beautiful 75% off signs