Whenever I make resolutions, they do tend to be frugal ones. Okay, with the exception of my one big one: spend more time playing with the kids. I always put that one on my list because it is so important. I don’t want to lose out on that time with them while they are young, and I have to remind myself that a frugal practice has to be frugal in time as well as money. Spending an hour doing something that saves a few pennies might not be worthwhile if it takes away time from my family. Of course, some … Continue reading →