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Here are some of the things we do to save money:

My husband commutes 10 miles to and from work on his bicycle, three days each week. I run and bike for my exercise. We don’t own a gym membership and it really helps with gas money and vehicle maintenance. We are considering joining a carpool for our kids’ school— although all three of my kids would rather ride their bikes to school everyday.

This is one of the recipes that Annette picked up from a friend during a group recipe swap the first year we were married. It's been a family favorite since 1982.

Ingredients:

I have instituted the Money Smart Kids Payday system I ordered from you and am having great success with it! I have two teenagers and although they hemmed and hawed about it at first, they are really enjoying it now. They both have bank accounts now where they tuck away their savings each week (and enjoy watching the balance grow) and are holding onto their “give” earnings until they each find a charity that calls to them.

I just had to write and tell you how much I benefited from your book. The way you write is so down to earth that anyone can understand it — it’s just great! I feel like a friend is talking to me. You have given us a lot of help and encouragement.

Organizing your kitchen is much like choreographing a dance. All the elements must work in perfect accord to create a seemingly effortless, elegant and efficient performance.

If you have the wrong tools, or they’re in the wrong places, your kitchen dance will be stuttering and herky-jerky— not at all pleasant. It’s taken us years to get the right things in the right places.

We bought our first home in 1993. It was 1800 square feet and we paid it off in just seven years. Not bad — I thought. Both my husband and I were working and once we got serious, all of my paychecks went to paying off the house. But over time, things changed. We had two babies 18 months apart and we began to feel cramped, and then our area was re-districted into a less than desirable school district. So after ten years in our home, three without a mortgage, we bought “the big house” including a corner lot, with a pool in the back.