Clutter. It was everywhere I looked. I spent a day (a whole day!) fighting it off, but it rolled right back in like a peeping-Tom wave to a nude beach. This phenomenon is known in family circles as the “clutter factor (CF).” Here’s the formula: CF = (Number of people in the living unit) to a factor […]
Saving money by spending is my idea of a good time. As in, “Look how much money we saved when I bought that [fill-in-the-blank] on sale.” Although buying something on sale to justify spending isn’t a good practice, it is the correct attitude if you really needed the item. Same thing goes for businesses. Really. Sometimes you spend money […]
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