Step for successful gift giving: 

1. Set budget  including taxes, shipping and handling  
2. Make a list, check twice 
3. Look for sale, promo code, use browsers plug-ins like honey
4. Make purchases

Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public-school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.

Learn more about Ms. Black:

Website: http://www.stayingintheblk.com

Instagram:@stayingintheblk