budgeting

Quitting Smoking

This might sound completely stupid, but during this long period of financial stress I have been unable to quit smoking though I tried several times. Nicotine, I am convinced, is the most addictive substance on the planet. If it were illegal, people would rob, cheat, and kill to get it. They could raise the taxes until it cost $20 a day to smoke, and people would still smoke.

Shoestring Budgeting for the Jobless

How to save between $505 and $3,370 every month

The second you find out that you are unemployed, you should be thinking about your budget and how to trim it. Over the years, I have become an expert on frugality, and I owe it all to joblessness. (See, there really is a silver lining in every dark cloud!) All ten of these tips are things that I, personally, do or have done. If you have others, please add them in the comments. (It makes me so happy when people comment!)

Nine ways to stretch your unemployment budget:

Ten Great Gifts to Give Even if You Are Unemployed

So you're unemployed and bummed out about not having enough scratch to afford a halfway decent HanuKwanzmas for your family. Not that it's any consolation, but you're not alone. At least one other person knows the feeling: me.

What helps me feel better is the realization that even though I don't have money for the latest plastic toys hand-made by Santa's little elves in sweatworkshops in a far away land called China, I still have a lot to give.

Below are

Ten wonderful presents to give even if you're flat broke:

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