I am happy for buddies who are going to enjoy their holidays at one of the south beach hotels the end of the month.

How’s your vacation plan going on? And how are your Christmas shopping sprees? Hubby and I aren’t going anywhere and won’t be spending much on Xmas gifts.

We want to save more money as emergency fund and pay back some money loaned to us by family members.

It’s time for us to really start paying them back although they are so kind and never rush us to pay them back.

Wow, my blogging pal and his family are celebrating Halloween in Orlando this October! Their trip was confirmed after they were assured that they would get the Disney World Tickets.

It’s said that Orlando is one of the perfect places to celebrate Halloween. There is the Mickey’s Not-So-Scary Halloween-Disney style party for the whole family or the Universal Studios Orlando’s Halloween Horror Nights for those who want to have a horrifying Halloween at haunted houses and scare zones.

I don’t think I dare to enter any haunted house or scare zone. Thinking of being scared at every turn and by a horde of model vampires definitely sends shivers down my spine!

This is life, isn’t it? Just as I thought I could save a bit more money this  month for a microdermabrasion therapy for my wrinkles, scars and skin that has been damaged by overexposure to the sun , some unexpected expenses cropped up.

Hubby’s motorbike insurance and my personal accident premium expired last week and this week respectively.

We had to fork out $285 from the emergency funds to pay the insurance.

So any extra money I have by the end of the money has to go into the emergency funds.

With current bad economy, it’s wise to stretch every dollar you have. If you want to buy auto insurance, make sure you compare various auto insurance quotes online before you make your final decision.

Comparing auto insurance quotes offered by various insurance companies helps save you money.

Money saved can be used for paying down more credit card debt or keeping it as emergency fund.

I have heard that auto parts, especially used auto parts are going to be very sought after in year 2009.

According to some experts, people who think of buying new cars may put their purchases on hold owing to looming recession.

This may result in them spending their money on car parts, especially used car parts to cut cost or save money.

I was quiet free these few days and managed to finish 2 books. One is about home insurance while the other one is a parenting book.

“The Parenting Breakthrough: Real-Life Plan to Teach Kids to Work, Save Money, and Be Truly Independent” provides very practical and down to earth advice to parents. I love how it gives you the why and not just the how.

It does not discuss discipline, but rather how to raise responsible, independent children.

It is a breath of fresh air in the parenting realm and is really empowering.