If you are among the majority who are not saving for emergencies first determine how you are spending. Go back through check stubs and credit card statements and determine how you are spending. Then look for areas where spending can be reduced. While energy ...

If one were asked to describe love, I imagine they would attempt to convey blue skies with fluffy clouds, fluid harps and lovers embracing with whispering good-byes. My advice to those in this love coma and to those misguided souls who think that the word love in itself is a blanket statement that warrants no thought or movement after the fact that those three words pass their lips, is that love is not a description. Love is a verb, an action word. Action means doing, saying, and moving. Love is more than passion and an ecstatic I love you too.