Rachel Teodoro

It almost feels like you can't lower your utility bills, but I'm going to help you take a look at a few ways you can lower those standard utility bills to save money. I don't know your numbers, but factor in the price to make these changes {look for discounts or rebates often offered by your local utility company} and how much you will save to see if it's worth the initial expense and savings over time. Gone are the days of huge cable packages, unless you are still holding on, then I'd encourage you to call your cable company and see what your options are, and now there are numerous options for streaming. We get Netflix streaming for free with our cell phone provider and Amazon Prime has free video services that most people forget about.

I will never forget the small group of street children {ages 8-14} that spent the bulk of their days working and their afternoons at a special school run by World Vision that was formed to help them keep up in the classes they were missing. Saying goodbye to someone who’s turned your world upside down is hard enough. Yes, I am sure that neither death, nor life, nor angels, nor ruling spirits, nothing now, nothing in the future, no powers, nothing above us, nothing below us, nor anything else in the whole world will ever be able to separate us from the love of God that is in Christ Jesus our Lord. If you'd like to make a difference in a child's life, please consider child sponsorship through World Vision.

I can't set the rules for you because everyone's intention for the challenge will be different, but I can share the rules that our family has decided to use for this monthly challenge. The ultimate goal for our family was to cut back on spending for anything that was a want, not a need. We are cutting out spending on the following items: anything that is a need vs a want We can use gift cards and reward cards. Your no spend challenge month is the perfect time to take a look at your monthly spending and see if you've created reoccurring expenses for your family that you just don't use, want or need.

This fill-in-the-blank book will give you the chance to write all kind of heart-felt sentiments that will be treasured for years to come. They come to like pennies a piece which means you should buy them all and then distribute them to your favorite friends. It's a bit of a dare at work {he's the only one in his group without a beard!}, but he's learning that there is all kinds of maintenance involved, so why not a beard care kit for your favorite hairy beast? Nothing says happy valentine's day like a people of Walmart coloring book.