Happy New Year!!

Happy New Year to all.. God Bless you all.. Let's move on from our past and move forward to the future ahead of us..

Merry Christmass!!

Guys, Merry Christmass and Happy Holidays!!.. God Bless.. Enjoy the moment.. Savor it.. haha.. :D

Saving More Money Monthly...

Consider that about 43% of Americans spend more than they earn, according to estimates from the federal government, and the average household carries some $8,000 to $10,000 in credit-card debt.

To make matters worse, the average American no longer saves money. That's tumbled from a 10.8% average savings rate in 1984 into negative territory today. It's no wonder that many of us have been living way above our means for some time.

But that is getting harder and harder to do. Available credit for people to finance their lifestyles has shrunk if not dried up altogether and many Americans are standing by in shock watching their mortgage payments surge while the value of their 401(k)s drop.

It's clear Americans need to start spending less and saving more. That may sound easier said than it's done. The key is to be aware of your where your money is going and take steps to stop the leaks. Here are five simple tips that could save you hundreds of dollars a month:
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