I have my mortgage through Bank of America and they've been pretty good so far...
As for bills, I'm behind on quite a few things due to my husband not paying things and trying to "fix" them without me knowing. So, now I know and believe me, nothing is "fixed" yet, so I'm digging my way out of the hole.
Ways I'm saving are -- cutting back to basic cable, switching to a cheaper landline phone, cell phones are on the lowest plan, making sure i save on electricity and heat where I can (i'm the kind that likes to sleep with all the lights on, lol), dollar store shopping for cleaning supplies, selling things I don't need, ect.
As for Christmas, I'm baking cookies and painting ornaments for everyone and DH and I are doing creative gifts for 20 or under for each other.. and of course we will get the furbabies a little something each. I'm sort of missing the Christmas shopping fever I always get around this time, but I think it will be sort of nice and freeing to make gifts for my family instead of buying. Something different for a change
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