Hello friends, Perhaps a year ago there was an awesome thread about what we're doing to conserve money in these economically challenging times. My searching skills are pretty pathetic and I can't find it. I would really like to revisit those great ideas as part of surviving in the new year. Maybe, if folks feel like it, we can start a new thread. I keep saying I'm not going to use credit cards any more but then just in December I had a flat tire and needed two new ones and two new (busted out by the wind) windows. I do realize that the ideal is to have an emergency savings to cover these things but I can't seem to get there because I keep having to pay the credit card payments. Any ideas? ML PS I'm off to work today. I won't even complain because I am grateful to have a job!