10 money saving ideas for the holidays

  Do you always feel crunched during the holidays?  Every year I try to plan ahead but somehow I always find myself waiting until the last minute and then wishing I had thought about buying gifts three months earlier. That’s not to mention how I am somehow always tight on cash during the holidays.  Sigh. …

The hidden costs in buying a home – what you should know 

Getting a mortgage is a bit more complicated than realtors and mortgage companies make it seem. I purchased my first home in 2010 with my brother- a condo that he and his girlfriend are currently living in.  While going through that process I could not believe how much goes into buying a home.  I was …