Cell Phone, Magic Jack, or Skype ? See this link to watch a video that compares them all. I think I am leaning towards Magic Jack. I’m not sure I want streaming video of me for every phone conversation…
http://www.walletpop.com/blog/2010/03/02/savings-experiment-whats-the-cheapest-long-distance/

Do You Want to be a Crawler, Walker, or Runner in Saving Money on Your Energy Bill?
If you’re a mom, then you know all about crawlers, walkers, and runners. Sometimes your crawler goes straight to running! You can apply the same levels of savings to your budget. Here are some ways to […]

1) Return those unwanted Christmas gifts.
The stores can tell by the product UPC code if it was in their inventory, so you don’t necessarily need a receipt for stores like Target and WalMart. However, ToyRUs will not take returns without a receipt. Use the returned cash to put on your credit cards. […]

Don’t get taken to the cleaners. Here are a DOZEN money saving laundry tips.

For the WASHER:
1) Check your clothing labels. Many fabrics do great in cold water and you can always rinse in cold water. Some data says that 90% of the energy used when washing clothes is used for heating the water. […]

From the book: EnJOY Freedom From Financial Stress
1) Do: Plan ahead. Search the internet and your local news paper. Church consignment sales are often advertised on the internet. Sometimes there will be a site that will list all the consignment sales in your area. Yard sales are sometimes listed on line, […]

Mosquito Spray…truly within the PBandJAHM motto: Simple, Fun, and Frugal!
I was at a deck party awhile back, and the bugs were having a ball
biting everyone. A man at the party sprayed the lawn and deck floor with
Listerine, and the little demons disappeared. […]

Abreviated excerpt from the book, EnJOY Freedom From Financial Stress
- Helping Moms Fight the Joy Thief of Financial Stress-

Are you a mom who wants a budget that provides exact target amounts for all the areas of your budget? Including children’s clothing, your clothing, craft/hobbies, entertainment/babysitting costs ?? I did too. So I developed […]

-book excerpt from: EnJOY Freedom From Financial Stress
Signed copies available on PBandJAHM.com or EnJOYFreedomFromFinancialStress.com
Because there are different seasons of life, there are different motivations and levels of saving money. Therefore, I divide saving into three levels: Crawlers, Walkers, and Runners. If you are like some one year olds I know, you […]

Even if you don’t live in the South Eastern US, you can still apply these levels of vacation spending to your area. Just substitute the nearest big city in your plan.
The idea of Piggy Bank Vacations is to do just like when you were a kid. Save up and set aside the money […]

From the book: EnJOY Freedom From Financial Stress
PART ONE
Tips and Tools for Controlling Spending
Chapter I
The Principal of Having More With Less
Let the peace of Christ rule in your hearts, since as members of one body you were called to peace. And be thankful.
–Colossians 3:15
One of the most essential tips in getting a handle on spending […]