We have heard many times to live within or below your means. If your financial situation has changed also need to change your spending habits. Sometimes, people lose their jobs or part of their income but do not change their spending. It may seem harmless to charge some things, but it can get out of hand quickly. If you are having to charge groceries and other usual expenses with your credit cards, it may be time to take a look at your budget and see where changes can be made.

The same is when you get an increase in salary or a bonus, it is easy to increase your spending.

So if you see someone with an expensive house, car, clothes and other toys, you may think they are doing great, but in some cases they are mortgaged to the hilt and are working hard to keep their neck above water.

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Nancy Kvamme

Some stores advertise a sale such as 5/$5 or 5/$10. That means 5 of one item for $5 or $10. You may want to check with your store. Many times, you can get the same discount by only buying 1 or 2 of the item. So you can get the same discount without having to buy so many that you may not need.

I have posted before about looking at thrift stores for books. Another place to check out may be your public library. In Fargo, the downtown library has a book sale of donated books or extra books from the library. It is only open certain hours since it is run by volunteers. They do not have regular hours. The Carlson Library has book shelves by the express checkouts with books that are for sale. Today I stopped to drop off a couple of movies I had checked out and pick up another one. While there I looked at the “book sale” shelves and found two CD sets for $2 each. One was Warren Buffet’s “Snowball” audio book which is a 8 CD set with a retail price of $40. The other was Wayne Dyer’s “The Power of Intention” with a retail value of $24. So I ended up getting almost $70 of audio books for $4.

So you never know where you will find a deal.

Nancy Kvamme