Fun can be free.
Entertainment can be a large chunk of your budget, but you can enjoy your friends and family without spending a lot.
Calculate purchases in terms of hours worked.
When debating a purchase, it may be easier to say "no" if you compare its price to how many hours it would take to earn that amount of money.
Reassess your budget.
Holidays, vacations and celebrations can make sticking to a budget challenging. So, take time now to review your budget.
Stick to the list.
Whether its grocery shopping or school shopping, stick to your list to save you time and money
Now’s the time to borrow and buy!
It’s a buyer’s market for homes, autos and more! Take advantage of low interest rates, great prices and seasonal incentives.
Don’t rush.
Before you commit to a purchase, consider whether you really need it and if you will really use it.
Pay off your credit card balances.
Big or small, look for ways to increase your monthly payments to pay it off faster. Look to Orion!
Save to Spend.
Had your eye on something? Big bills coming up? Putting just as little as $5 away per month can help alleviate the ‘pain’ of a big purchase.
live.save.shine 
