BANNER for thought 
The Thought for the DayTHE THOUGHT OF THE DAY

NOVEMBER 19 -  TIME TO TIGHTEN YOUR BELT

We are constantly being reminded about the sad state of our economy. With the holiday season coming, and the uncertainly of the days ahead, it is important NOW to  make some personal changes.  What can you do to cut back your spending?  I made a list of the 8 things I can do now - starting with eliminating my daily Starbucks coffee.  What's on your list?  
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love... cheryl