Christmas is a time for celebration and good cheer. However, the gifting and feasting can create tensions and cause debt. Decide this Christmas I am going to have a debt free Christmas and I am not going to spend what I don’t have in hand. According to experts once you have made up your mind and follow the rules you set you will celebrate the festival and the weeks after the festival without worrying about unpaid bills.

Here are a few workable tips:

1. Create a budget and make a list of people you need to buy gifts for. Write down a specific amount for each name.

2. Try and make a few personalized gifts yourself. There are many beautiful ideas on the internet.

3. Before Christmas put away your… Read More..

Here are some tips to help you budget when you build your own home.Concrete slab construction is cheaper than wood joist and sub floor construction.Asphalt tile is a cheap durable flooring material which comes in many attractive colors.Radiant panel heating, instead of a forced air furnace, will be less expensive and is reasonably satisfactory.Forced-air heating is cheaper than heating with steam or hot water. Gravity warm-air heating is cheaper than forced air.Group your plumbing as close together as you can to save on the piping. Asphalt shingles are the cheapest-built up roof next, then shingles, shakes, rigid asbestos shingles. The most expensive are slate and tile.Copper flashing is more expensive than galvanized iron.The copper is more durable, but the galvanized iron will probably last as long as the… Read More..