Enjoy the little things, for one day you may look back and realize they were the big things. —Robert Brault

There is no doubt that many of us have been struggling financially for the past couple of years.

During economic crisis, many have had no choice but to live frugally and get by on less. We’ve seen neighbors foreclose on their homes. We’ve read about millions losing their jobs. And let’s not forget about businesses failing and going bankrupt, essentially closing their doors.

Yet, everyone has had to adapt and survive, with less, and keeping a tighter control on their finances. Continue reading →