Hasn’t been much to post about lately. Back to School is over, xmas holiday season not in full swing yet. Really a lull as far as retailers are concerned. Sears is trying to liven things up by advertising “Black Friday deals” this weekend. From what I saw it looked like decent prices on things.

Right now look for good deals on Halloween items starting this weekend and progressively getting cheaper. Baking items will continue to be cheap too.

It’s a good time to sit down and think about the holidays and plan your budget! You’ll easily overspend if you don’t have a plan. And don’t just budget for gifts, think about holiday meals, holiday cards and pictures you send out, gift wrap…..it all adds up. But if you have a list, when a deal comes up, you can just look at your list & determine if that deal is good for you. Too many times I’ve found a fantastic price on something, purchased it, and since I didn’t really have anyone to give it to, five years later it’s still in my basement. Only a good deal if you need it!

And don’t forget those energy-saving home improvement tax breaks. Just two months left to get those items purchased and paid for.

I’ve read blogs online where moms have done all of xmas for $100. Takes lots of planning, but it can be done. The holidays do not have to be a bduget-breaker, and you can still have an enjoyable holiday.

For many companies across the nation, the next few weeks are open enrollment for health insurance. Remember, frugal living isn’t just about clipping coupons at the supermarket. It’s a way of life. It’s about evaluating almost every purchase you make, to make sure you’re getting the best deal.

The Today Show did a segment on questions to ask yourself before you re-enroll. They also quoted a statistic that most people spend more time picking out a cell phone plan than they do a health plan! You owe it to yourself to take some time, go over your spending and your options and pick the best plan.

Think of what you could do with the extra money!

Here is the link, I got sidetracked this morning.