To Have A Less Frightful Halloween
Instead of running to the nearest discount store to purchase a commercial costume, why not begin your Halloween preparations by shopping at home.
By Lyle and Tracy Shamo

Financial Infidelity
In the real world, the husband and the wife struggle to make ends meet. There are always bills and unplanned expenses, and there are frequent and sometimes bitter squabbles over money. It is only made worse when husbands or wives commit financial infidelity.
By Lyle and Tracy Shamo

In the Good Old Summertime Part I
Remember Kick the can, hula hoops, Red Rover, Mother May I, Dodge Ball, and Tag?  Let your imagination run wild and really have some fun this summer—good old-fashioned fun.
By Lyle and Tracy Shamo

Coping with Massive Layoffs
In just one week--the week which ended April 18, 2009--640,000 persons filed for initial jobless claims.  That is roughly equivalent to the entire population of Baltimore, Maryland!   
By Lyle and Tracy Shamo

Trim the Fat Out of Your Food Budget
A few easy tips allow you to “go lean” on your grocery bill.    
By Lyle and Tracy Shamo

The High Cost of Eating Out
To suggest that we eat out less to an already frugal family would seem laughable, but for multitudes of families in a time-starved generation, it is no laughing matter.   
By Lyle and Tracy Shamo

Feeding the Beast
“Recently, we have had quite a few talks with people who have found themselves in what they consider desperate circumstances.  After our economy took a downturn, many realized just how wide the range and how large the scope of their own problem.” 
By Lyle and Tracy Shamo

A New Year's Resolution to Change Your Financial Life
Isn't this the year you should sit down and organize your finances and truly get out of debt?  It's a worthy goal and you can achieve it.  Come and see how easy it is.
By Lyle and Tracy Shamo

Christmas Came Just The Same
How To Have A Merry Christmas Without Unnecessary Expense
In our new world, we will be forced to make decisions we should have made long ago.  Here are a few ways to make your Christmas this year a little simpler and less expensive.
By Lyle and Tracy Shamo

Bent Nails and Clean Plates
The proverb, “waste not; want not,” is still sound advice.  The goodness of this earth is the gift of a kind Father in Heaven.   We are commanded by Him to be wise stewards.  Here are some thoughts that might help you.
By Lyle and Tracy Shamo

Soaring Prices, Sagging Economy—What's a Family to Do?
Blaring headlines about the economy are enough to send us running under our covers hoping to emerge like Rip Van Winkle after the worst has passed!   Here are some ideas for saving on your gasoline costs.
By Lyle and Tracy Shamo

More Secrets for Living on Less
Adhering to a spending plan doesn't limit your choices.  It can be expanding and empowering!
By Lyle and Tracy Shamo

The Secret of Living on Less
Many are facing tough financial times, so here are some tips for that challenging task:  living on less than you make.
By Lyle and Tracy Shamo

A Better Approach to Life: Living Debt Free
It is not easy to live a full life on half the price, but it is possible with common sense, sacrifice, and a little know-how.
By Lyle and Tracy Shamo