Monthly archive: November 2012

There has been a reduced Social Security payroll tax rate for the past 2 years. It was reduced from 6.2% to 4.2%. At this time it is scheduled to revert back to 6.2% January 1, 2013, unless Congress decides not to let the payroll tax holiday expire at the end of 2012. It may not [...]

The Season of Light show at the MSUM Planetarium in Moorhead began Thursday night, November 29. The show runs thru December 23 on Thursday, Saturday, Sunday and Mondays at 7 pm and Saturday and Sundays at 2 pm. Admission is $5 for adults and $2.50 for children under 12. I attended the show on the [...]

There are people in need all year long, but it is emphasized during the holiday season. Even if you don’t feel like you have money to give, there may be other ways to help. Crystal from is doing a 31 day series about Giving on a Budget. You may have skills and hobbies that [...]

Following are some articles I have recently written on personal finance topics. Organizing Clutter in your Financial Life Advice on Using Credit Cards Getting Refocused on your Financial Goals Five Ways of Going Frugal to Save Money

Here are some gift ideas. The ideas include a variety of ways of wrapping gifts and simple gift ideas.

In a recent post I listed the upcoming deals at Starbucks. Caribou Coffee also has 20 deals for 20 days that started on November 26.

Here is a Pinterest board I have compiled with Christmas ideas of recipes, decorating ideas and gift ideas.

When I was considering the topic of this blog post I thought of the idea I had read of recently about making a christmas bucketlist. With the numerous events going on in December it may become overwhelming. It may be less stressful if you sit down with your family and consider which things you really [...]


Now that we are past Thanksgiving and “Black Friday”, tomorrow is known as CyberMonday, which is the online equivalent of Black Friday. Many online retailers are having sales like other stores have deals on Black Friday. Online shopping is becoming more popular with people for their holiday and everyday shopping. Many stores offer free shopping [...]

Here is the third part of the holiday series I did last year. The first 2 parts can be found here.