Reading back some of my old posts published in 2007, I felt that I was nut to have suggested my friends to buy the I Love Bankruptcy t-shirts as gifts.

They were funny t-shirts to me at that time, but not anymore. It’s insensitive to ask buddies to buy funny t-shirts like I Love Bankruptcy as some of them are really on the verge of filing for bankruptcy.

It’s a vast difference between year 2007 and now. Back in 2007, my buddies had steady jobs with good income and less debt. They could buy anything including certified diamonds without a blink of an eye.

Now, they are jobless with tons of debt.

I do download free seo software recommended by my blogging pals so as to improve the ranking of all my niche blogs.

You know the importance of doing SEO, right? Better ranking means more traffic driven to your sites and thus increase your ad clicks and sale earnings.

I need more online income simply because there are debt repayments, home and car loan instalments and other expenses that have to be paid.

Besides, it’s bad economy now. It’s better to make more money to save in the savings account during spare time than watching television at home.

Some of my blogging pals who have had enough of frugal living are spending again. Oh, dear, this is dangerous, right?

They must have felt strangled or deprived by the frugal living that they quit whatever grocery, clothing, and concerta coupon clipping that has been saving them lots of money.

Spending again means that there will be new debt added into their existing debt amount.

It’s my hope that they get to stop their impulse spending before it’s too late. They will surely feel guilty after the shopping season is over.

Wow, time really passes very fast! It’s the end of October now and soon it’s going to be Christmas.

Have you started your Christmas gift shopping? Now is the best time for buying gifts as there are deals and bargains everywhere.

Have you started dusting the Christmas trees and accessories? I dug out one of the artificial christmas trees kept in the store room and thought of cleaning it today.

I think more people would consider reusing all their Christmas stuff this year rather than buying new ones due to bad economy, paycuts and layoffs.

With another person living in the house now that it’s unlikely to save money on electricity.

It seems that this extra person likes to have his bedroom light turned on when he is sleeping. You know, he sleeps for more than 15 hours a day, man!

I am not talking about a baby. I am talking about a grownup man who is unemployed.

Not that there aren’t jobs available for him. No, in fact, there are lots of odd jobs, part time and full time jobs out there that he can consider.

I am waiting to see when hubby is asking him to work.

Wa, I have been quite lazy recently! I haven’t written many articles for my existing niche blogs and haven’t submitted some new niche blogs to web directories yet.

My blogging pal has been telling me to take it easy. Well, she is also as lazy as I am now.

I have started to feel guilty too. You know, I must work hard on building links to my niche blogs if I want to keep making money and increasing my online income.

There are simply too many competitors out there these days when it comes to making money from niche blogs.

Speaking of investments, it’s going to take a while before I can invest my extra money in the rare coin market. You know, I still have credit card debt and home mortgage that need to be paid off first.

Rain coins are superb performing financial assets that are growing in value due to its scarcity.

If you have spare money in hand, you may want to consider investing in rare coins. They are easily and inexpensively stored in your bank safe deposit box or other private vault.

Before you rushing into buying rare coins, make sure you look for experts to help you locate the best, highest-quality rare coins at best prices to maximize your rare coin investment dollars.

It’s a very hot day today! I am sitting in my air-conditioned room with it turned to full blast, but I am still sweating.

I can feel the heat making its way into the room from every crack and crevice. I am living in a more than 30-year-old wooden house, that’s why there are holes, cracks and crevices everywhere.

Perhaps I should listen to hubby. Just stop whatever work or search on the best weight loss pill I am doing now and go to a nearby shopping mall to avoid the afternoon heat.

Good idea! Not only can we avoid the heat, we can also save money on electricity.

I am happy that hubby is following the family budget I set quite well.

If he goes on sticking to the budget, I am sure that we are able to cut down on unnecessary expenses and save more money.

If coupled with making more money from selling slimming pills and baby gifts, I can expect even more money to be saved in the savings account.

It’s my hope that I can reach $3,000 by the end of the year.

Trying to save some money on food? Read my blog post of 4 money saving tips on food.

One of the saving money tips that I love is carrying some snacks like chocolate bars, chips and cookies while going around, shopping or travelling.

This works to reduce my hunger pangs and thus decrease the need to eat in a restaurant or fast food outlet in the shopping mall or search the mini bar in any of the anaheim motels.

If I really have to eat in a restaurant or fast food outlet, I will try to go there during lunch. Food during lunch usually costs less and there are many lunch sets to choose from.