
Gas is now going for about half of what we paid at the pump through the Summer, and the reduced cost is a welcome retreat from the strain that filling up had been causing consumers. We can hope the days of gas price-induced desperation (remember the new dad who
named his baby boy after a radio show for a $100 gas card?!) are behind us, and before we go forgetting the
damage gas prices did to our budgets, let's take the opportunity to do something with the extra money we're saving.
We managed to make it when our money was going into the tank instead of staying in our bank accounts, which means we might not miss at least some of that disposable income if it was out of our reach.

The days of having your cheeks pinched might be gone, but you're still not getting away under the radar at family gatherings. You're certainly not alone if the question, 'So, what is it that you do now, dear?' sounds familiar.

As girlfriends, we have brunch together, ask each other for hair and wardrobe advice, dish about the latest on the dating scene, and get worked up together over world news — what's stopping us from helping each other save money? Taking a note from FitSugar's strategy
for working out with a buddy to stay motivated, recruiting a friend for pairing up to reach money saving goals could be just as effective in making us more accountable.
You don't need to have identical goals as your friend, maybe one of you is trying to pay off debt and the other wants to save up for a vacation, but both of you should have the main goal of getting your finances on track.

Travel industry experts have repeatedly said that buying plane tickets on Tuesday is the best bet for finding a deal. We may be inclined to book flights over the weekend when we have spare time and aren't consumed with work, but the money you could save by waiting a few days is well worth not being able to check something off your weekend to-do list.
I searched for my honeymoon plane tickets on Sunday, only to find the price had risen since I'd looked a couple of weeks ago.

Visiting a stylist-in-training for your trim is a known trick for saving money on your beauty upkeep, but I hadn't thought of utilizing the same idea for other treatments until I came across the tip
in an article by The Frisky. In an article called "Five Ways to Stay Fabulous on a Budget," the author mentions that she can indulge on things like massage, pedicures, and facials by making an appointment with a massage or beauty school.
A student may or may not have the same polished touch of a full-fledged professional, but serious savings can be worth the slight sacrifice.

We're used to settling on pre-set limits for things like office Secret Santas and Pollyanna gift exchanges with girlfriends, so why not make it a rule this holiday season? Contact the people on your long or short list and ask how they might feel about putting a cap on holiday spending this year.
Do some preparation before you make the call by creating an overall budget for yourself, and determine how much you can afford to spend on each person.

Shopping might
feel good after a bad day, but you're doing more harm than good if you're spending money beyond your budget. There are
questions you can ask yourself when you're deciding whether or not to make a purchase, but after a bad day those questions might fly right out the window. The best solution is to steer yourself away from going into stores in the first place.

This week we are revving up for the darkness, ghouls, and goblins of Halloween with reminders on
how we can stay in-the-black — the holidays are just around the corner, after all.
In-the-black-tip: The best way to stay on track when there are a lot of items on your shopping list
is to create a spending plan, and once you know your budget for each item or person, make your money go further by comparison shopping. Some people prefer to do holiday shopping away from their computers because it gets them in the holiday spirit, but I recommend at least doing some preparation online.

It's so easy to get caught up in the general anxiety in the air and absorb other people's financial stresses, like co-workers or friends who can't seem to get enough money worries off their chests. During a time of heightened uncertainty it's only natural to want to talk about things in hope of some empathy or reassurance, but sometimes it just adds to your stress level rather than do anything to bring it down.
Margaret Wehrenberg co-author of The Anxious Brain
has useful advice for how to cope with financial stress and says, “Think about what you’ve got in the now.

Forty-seven percent of
you have credit card debt, and another 12 percent of you are almost finished paying off your balances — keep plugging away! It's common to lose momentum in becoming financially healthy once you are rid of debt; enjoy the feeling of having a huge weight lifted from your shoulders, but avoid the temptation to relax your rein on spending.
Hopefully you were able to put some money aside while paying off your credit cards, but when you're done with your debt, turn your main focus to saving and building an emergency fund.