New November

So here we are beginning the new month of November and it's a day of one's 11/1/11 which is pretty cool. I started the morning getting my bills paid and organizing my budget. I like to encourage everyone to scan their budget from the previous month to check to see if you went over the budgeted goal or found that you saved more. Of course, the latter is preferred. The holidays are fast approaching and with November here, there is no time like now to set some money aside. I've watched commercials lately for K-Mart and Walmart offering layaway this holiday season. I have never used layaway, but it might be a good idea to get the gifts on your list without having to pay for them all up front. Give it a try!

Frugal Tip of the Day

The cold winter temperatures may be doing a number on your heating bill like raising it. To try and keep the costs down, set the thermostat in your home at 68 degrees and keep it there all season long. One of my neighbors turned their heat completely off while away for a week during the holidays. When they arrived back home, the temperature in the house was 42 degrees. They said the heat ran for hours as it was trying to get back to the 68 degrees they normally set the thermostat during the winter. The better bet would have been to cut the temperature down a few degrees while they were away. To help keep you warm around the house, wear a sweater or extra layer of clothing. At night, throw a blanket on the bed for added warmth. Also, invest in a set of flannel sheets for your bed.