Build traditions not wow factor Home made decorations mean the most Books make a great gift Presence is the best present At least one gift has to be hand made or second hand Gifts flow downward in generations Plan for at least one outdoor activity Enjoy a free local Christmas event Gather around the radio […]

Living on 50% of your Income: Why: 1. Early financial independence equals control 2. Eliminate risk from you life How: 1. Move in this direction – not too slowly 2. Remove temptation 3. Control of your environment 4. Don’t fall victim to the gold fish effect 5. The double edge sword of living on 50% […]

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