Here is my list of 51 free things to do. I am committing to doing one of these free things every week for the next year and then banking the money saved. I'm also taking readers suggestions for the very last week. Any (legal!) suggestions will be added to a master list and then at the end of the year I will select one at random and send the reader a free $100.00 gift card for a store of their choice. The same rules apply, it has to be free to do, it has to be something I can

When we last left our heroine she was eye deep in debt of her own making… With the realization that I wasn’t going to get a raise, I really started to live the anxiety of not knowing how much I owed and how I was going to get out of that debt. I started doing research into credit counselling and bankruptcy but freaked out on what that might look like for the long term on my credit score. In my research I ended up finding a few fantastic websites filled with really specific re