Set up a Barter System
Gather friends,relatives, neighbors, and co-workers and set up a bartering system. Offer babysitting to one family in exchange for them doing your laundry or offer to clean someone’s house in exchange for a week of car-pooling your child to school. You would be amazed at the opportunities and the savings you could have using a bartering system.
Financial Consultants
Many financial companies and even churches offer outstanding classes on how to manage money. While some of these programs are free, others may have a nominal fee of around $35 to attend but the money is well spent. Another great option is consumer-counseling services. This is a great option for people in over their head with debt. The counselors will work directly with your creditors to lower your balances, interest rate, and establish workable payments that you can afford.
Having Patience
Be patient when it comes to saving. This means that you need to accept that it will take time to have a good plan and to save eventually. Be patient and remember that just because you want something, you need to rush buying in order to satisfy your urge. Wait instead for sales offers in order to get the best price, which in turn will save you money.
{ I am new on this Blog and I just wanted to say "Hi" to everyone! } – Feb 09, 8:27 PM
{ Dear Joyce, Hi! I have been an avid reader of your blog about a year an a half ago when I too have been experiencing heartbreak and burden in my life. Your words have really been a pat on my shoulder and a hug rolled in one. 
I am now in a year long relationship and life has been treating me well. It is not a perfect relationship, we do have our shares of ups and downs but we come out of each as a better individual and we grow and learn together through those past mistakes. I just... } – Feb 05, 3:53 PM
{ hi joyce. my partner told me that he needs time for him to think things over. i know that its the end of our relationship. i have been in pain for the past 3 months until a week a ago when he told me through text message about this. he didnt even care to talk to me face to face.why am i in so much pain? i cant escape from the pain joyce. help me } – Feb 02, 9:45 AM
{ Hi joyce, i feel that im at the lowest point of my life...late last year i found out that my bf ( for 6 months) is still going steady with her prior gf. i was crushed after learning that he fooled me for 6 months that we are together. but since i love him so much, i forgave him with his promise that he will end things with her and come back to me clean slate. but he did not come back at all. he said he was empty after breaking up with her (doubt if they really did break... } – Jan 29, 2:20 PM
{ Dear Joyce, I don't have a husband who physically abuses me but i have one who does so verbally and emotionally. He doesn't care whether we be in public places like malls, offices etc he just feels he needs to, in his own terms, "vent out his spleen". He had called me many things and often times says that i am stupid. He said i needed to reform, and that the only way was "his way". for the past year i have been doing all he asks of me, i am not allowed to talk to my friends, neither am... } – Jan 24, 9:16 AM
