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I'm sorry to hear that you are going thru hard times. Check out Frugal Village...they have an active message board and many good ideas! I hope things improve for you and yours!

I appreciate this thread and will be going to TJ's soon. Just one question, how do you prepare your pizza/dough?

Wow! How did you find a bargain like that?:)

OK just one more question...(maybe:) ) would you recommend a target fund from an online company, or just put in a bank CD? I am looking at between a total of $6-$8K between both of us this year for retirement. Thanks so much! I would ask the advisor who had us put $$$ in the American Funds...

We had the teddy bear hamsters,,,,my kids loved them till they were both bit, at the same time, and those buggers drew blood! They also escaped out of their plastic habitat. I can still see my DH in the middle of the night trying to corner those things in the bathroom. We had to put them in...

OK, I'll play! Besides the responsible stuff (larger emergency fund/retirement fund), I would love granite countertops, a canon digital rebel, and eating out once a week with my family! Best wishes to all!:)

Thank you Steve for the advice. Can you (or anyone) explain why it is better to lower my 401 contribution and use the Roth? Of course, it is easier for me to take it out of my paycheck, and I thought a benefit to lower my taxable income. thanks!

I have recently started a FT position. I am contributing 15% to retirement with a 3% match. I am also thinking of adding $$ to a Roth IRA, but should I be safe and just open a CD at the bank, or add to our American Fund IRA accts? We are 49 and 53. We do have money saved for retirement and...

We have 2 college students and order all their books on half.com. If you have 2 weeks before you need your books, that is plenty of time for media mail. We have never had an issue with not getting their books or being dissatisfied. Just check to see the feedback on your seller! We also sell our...

Can you do this more than once? Is that legit? I would like to order more.:)

Yes, I missed out on the messenger bag too, but a great buy none the less! Two bras, one pantie and body wash for my DD! Thanks so much to the OP!:goodvibes

You know what I just found incredibly funny? Kate dealing with 8 teenagers! Now, thats a show I want to see!:happytv: Speaking as a mom of four (13,15,19,21);)

I'm sure Kate does not budget. They are making a ton of cash exploiting their children. I stopped watching the show when I realized I was wasting my time watching someone get their teeth whitened (and whining about it)...yep, I have better things to do with my time!:goodvibes

I hope your DH had good news. I also work for UPMC...4 positions were eliminated in our department. I was VERY fortunate not to be one of them.

I want to buy my DD a ipod shuffle, and the refurbished ones are $39. Do they go any lower as the holidays approach, or should I just buy it now? Thanks!

Fran, Many adults carry Vera Bradley bags, and they are also popular with the college girls. There are so many styles and would make great gifts!

A BIG THANK YOU to the original poster! Bought a lunch bag, wallet, hipster, tote bag and ID wallet in Botanica for my college DD! Then checked with my mom and she bought the messenger and large duffel bag for her! She will love her Christmas presents! And don't forget to go thru Upromise...

I have our trip planned, but didn't check to see when the parks open early (we stay off site). Thank you!

Thanks so much for the newsletter! I'm off to work, but will order my tix tonight!

Thank you for all the ideas! Could anyone send me a copy of the mousesavers newsletter? I signed up, but will not receive till the 15th. Thanks so much!