Pamela

Pamela “Penlady” Jones is the author of Money Smarts: 107 Tips on How to Save Money . This guide to saving money is available at Amazon.

Last winter, the average cost for heating a home was $905. This isn’t chump change when you’re on a budget! Considering this, you’re likely searching...

Financial hardship isn’t a pleasant matter. It can lead to a tremendous amount of stress. At worst, it can cause serious health problems. Fortunately,...