I am in the process of digging myself out of the debt hole. Many dreams including my dream of enrolling into one of the reputable massage therapy schools have to be put off first until I fully settle my credit card debts.

My dream and only goal now is to pay off my credit card debt in 3 to 5 years’ time.

Living below my means is not as difficult as I thought. Sometimes I do regret that If I had lived WITHIN my means before I was in debt, I wouldn’t have to live BELOW my means now.

To pay off credit card debt fast, it is important to cut down on food expenses and also household appliance spending.

Reducing food expenses is easier as I am not a choosy eater. With money saving tips on food I found online, I am able to effectively cut down my spending on food.

Whenever it’s time to go grocery shopping, there is always a list in my hand. This way I get to prioritize basic goods and avoid buying things that I do not really need.

As a teak furniture collector, I have to control my spending on furniture. I try to buy used teak furniture or discount teak furniture in order to save more money.

Due to my credit card debts, I have learned to do budgeting. Like most working mamas, I was scared of doing budgeting and tried to stay away from learning how to budget.

However, I must learn to do budgeting if I want to pay off my credit card debt fast. Besides knowing how to budget, I have also got to deal with my savings accounts, checking account, home mortgage, car loan and credit cards better if compared to last time.

I didn’t bother to know where my money went to or how to budget before my debt reduction. But now I know where my money goes to and what I should do to cut down unnecessary expenses.

Hubby gave me another unique gift idea for men for consideration just now. Now I am wondering which will be a better gift as Father’s Day gift — a Franklin Covey planner binder or an electric shaver.

My hubby has had the same Braun 8985 360 Complete Men’s Shaver and he is very satisfied with it. According to him, the Braun electric shaver gives him the closest shave. It also has that great self-cleaning unit which completely cleans and lubricates the shaver.

I remember my aunt has complained about my uncle’s beard stubble in the sinks! Since my uncle can’t rinse the sink out even if the faucet is turned to full blast, this Braun Men’s Shaver may suit him.

I love giving unique gifts that have the following characteristics: significant and meaningful to the person receiving the gift; personalized and unique; beautiful and have artistic value; affordable but look expensive.

This Franklin Covey Planner Binder Kit For Palm V Series is one of the many unique gift ideas that is very welcomed by family members and friends.

Instead of giving my uncle light fixtures, I decided to give the Franklin Covey Planner Binder Kit For Palm V Series to my uncle as unique Father’s Day gift last year. I remember he just moved to a palm and found it hard to move from complete paper to the palm. Now he can keep up with note taking and enter them later.

This Franklin Covey Planner Binder Kit For Palm V Series (Black) has slots for credit cards and paper.

As all binders manufactured by Franklin feature quality, durability and excellent design, you can be rest-assured that it will protect your Palm from dust and scratches.

I was supposed to search for more Father’s Day gifts to be recommended to you, but I went shopping for the best wrinkle cream online.

See, this Aurora AS810SD 8-Sheet Strip Cut Paper/CD/Credit Card Shredder with Basket is a great shredder for the home, and for the price. I don’t have any heavy duty shredding just home office stuff. It has shredded everything I’ve stuck in it with no problems.

If the basket is too small for the shredding job you’re doing for your years of credit card statements or old love letters, an attached extension on the side of the shredder just pulls out, and you can just place the shredder over the larger basket, I find the 13 gal. kitchen-size wastebasket works great.

No doubt, calculators may seem a bit outdated in this age of Palm Pilots and PC’s. But when you have to do a lot of calculations and you don’t have a spreadsheet on a laptop handy, a good calculator is invaluable.

You can’t go wrong with this HP 12c Financial Calculator (12C#ABA) if you want to calculate mortgages, compound interest, amortization or any of the common functions in finance on a regular basis.

The 120 built-in functions are easy to use and well explained by the manual. too. This calculator ships for free.

I am going away for a while searching for some Orovo information. Share with you more products later.

Mother’s Day’s over. Father’s Day is approaching. Why think so hard for a Father’s Day gift? Let me recommend a few Father’s Day gifts to you.

I bought this Bosca Nappa Vitello Deluxe Front Pocket Wallet for my hubby. He does not wear a wallet in his back pocket, only in the front. This one is slimline and holds a lot.

The Front Pocket Wallet has a front magnetic money clip. It has a top loading currency slot with three card slots.

It looks expensive and is good quality.

I will go and search for some information related to fractional ownership. After that, I will recommend more affordable Father’s Day gifts to you.

I used this Cotton Money Belt and Passport Holder on a recent Hilton Head rental vacation. It held my passport, money and credit cards. The two compartments, one small and one larger, were just enough room to hold a passport and some money.

This Cotton Money Belt was so lightweight and comfortable that I often forgot I had it on and would periodically check to see if it was still in place. Once I put it on, I never had to readjust it. It never came loose on its own.

It is not the most glamourous Cotton Money Belt and Passport Holder–in army green cotton–but it serves its function very well. If you’re looking for something fancy then keep looking, but if you want a money belt that is simple and not bulky then this one will get the job done.

Are you one of vegan women who is dread of the thought that over 35 million beautiful, intelligent animals are killed just for their fur or leather on their backs? Then, get vegan shoes, apparel or accessories as Mother’s Day gifts.

Finding cruelty-free shoes is much easier nowadays. More and more companies are beginning to cater to those with a cruelty-free fashion sense and are now offering a wider variety of shoes to choose from.

Not only are vegan shoes cruelty free but they are also trendy and may produce positive health benefits.