Lake Ariel Realty

The bar cart is a fashionable, functional, and efficient use of space. If a full home bar is not in order, these are a great way to add design appeal that can be enjoyed during dinner parties or quiet evenings alike. You don’t even have to be a drinker to appreciate a bar cart, as they work just as well with any type of refreshment, be it mineral water or lemonade. One you’ve picked out your bar cart and chosen the ideal space for it, it’s time to put your design cap on.

Figures from the Consumer Financial Protection Bureau (CFPB) show that about 70 million people—more than a quarter of adults in the United States—either have a debt in collection or have been contacted about one.

Some of those people are wrongly contacted by debt collectors. Reasons include contacting the wrong person for the wrong amount, or for debt that can’t legally be enforced, according to the CFPB.

When it comes to saving money, every dollar counts. Whether you want to save up for a down payment or a vacation, or if you need to fatten your emergency fund, you can help meet your financial goal by evaluating your current expenses and finding simple ways to cut back. Of course, saving may also require you to make some sacrifices and prioritize your needs over wants.

To help get you started, consider these 10 cost-cutting tips from American Consumer Credit Counseling:

Put a festive twist on your average game of bingo with this holiday version. Turn on your favorite Christmas movie, gather in front of the television with loved ones, and crank up the competition!

To play:

1. Download the printable game sheet.
2. Pop in a classic holiday movie of your choice.
3. When you see something in the movie that matches a square on your board, mark it with a piece of popcorn.
4. Get five in a row (horizontally, vertically, or diagonally), and yell “HO HO HO!”

To stop a criminal from using your personal information to open a credit card in your name, start by preventing lenders from checking your credit unless you first unfreeze your information.

Even if you have poor credit—or are low on savings—protecting your credit from identity theft by taking advantage of a free credit freeze is a good idea.

With the endless demands of work, school, errands, housework and extracurricular activities, it can be difficult for family members to find time to sit down, relax and talk to each other. But carving out the time to connect with one another can provide a wealth of benefits. In fact, studies have found that regular family dinners can contribute to many positive outcomes and prevent negative ones.