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A study put out by the Christian Science Monitor states Americans who make less than $20,000 give more. To qualify this stat, this group gives more in relationship to their income. I find this amazing, but at the same time its great to see everyone open their pocketbooks to those who have less.

Interesting fact: This year Americans will give away 260 Billion to charity. Yes that is “B” as in Billions.

Technorati Tags: Christian Science Monitor, Americans, income, Billion

This weekend we finished our Christmas shopping and yes we took part in Black Friday. We saved a lot but instead of going to the stores at the break of dawn we waited until mid day. Our theory was the hard core shoppers would be done by then. Sure enough it worked. Hardly any lines great prices and we got a TMX Elmo doll.

We also stayed with in budget, another added bonus in planning ahead. Hope everyone had a great Thanksgiving week/weekend.

Technorati Tags: Christmas, Black Friday, TMX Elmo, Thanksgiving

About.com is a great resource for information of all kind. Today I found “Top 9 Tips for Dealing With Debt Collectors and Collection Agencies”

  1. Number one, knowing your rights!
  2. Ask questions about the debt and the collection agency
  3. Detailing your steps and interactions

Read the other 6 tips here.

The most important take away I from this list was don’t ignore the problem. It will not go away. Dealing with debt collectors is hard. No doubt about that! Take it one step at a time and know your rights.

Technorati Tags: Dealing With Debt Collectors, Collection Agencies, Dealing with debt

The Friday after thanksgiving is the day retailers open stores early and offer deep discounts on their products. Will you be there? Some people make it a tradition to venture out to the malls to do combat with other deal seekers. My opinion is its fine to take part in this American tradition as long as you stay with in your budget!

Ooops did I say the “B” word. Sorry to rain on your parade but just cause they have everything on sale does not mean you have to buy everything! I personally don’t think my family will take part in Black Friday. Unless we hear of a good deal.

We started our Christmas shopping about 3 weeks ago. For two reasons, one to avoid the rush and two, to try and keep cost down, so far so good…

So if you will be one of the brave souls heading to the mall on Friday may the force be with you. You will need it.

Technorati Tags: Friday after thanksgiving, American tradition, budget, Black Friday, Christmas shopping