If you are among the majority who are not saving for emergencies first determine how you are spending. Go back through check stubs and credit card statements and determine how you are spending. Then look for areas where spending can be reduced. While energy ...

Follow a routine when you clean. Start at the back and work your way to the front of the house. Go from top to bottom in each room. Below are some cleaning tips to help you get the most of your time and effort. Kitchen CleaningStart with the top of the refrigerator and kitchen cabinets. Use stainless steel cleaner for your sink. Rub it with a dry cloth to make it shine. Wipe kitchen counters. Do not forget to clean behind and underneath the refrigerator and oven. Use a good oven cleaner to remove grease and overflows from your oven.