1 Penny6mm Jump RingChain or cordBlack Permanent Marker2mm Steel Letter StampsHammer3" x 3" Steel blockDrill or 2-Hole PunchJewelry PliersSmall Power Drill or Polishing ClothMay 23rd is Lucky Penny Day!
White gift boxes, various sizesWhite paper for building frontsScrapbook pack Building templates posted on our websiteUtility knifeGlue stickCircle punchAdhesive numbersDecorative trees, etc. for surroundings
You need to know where you stand with your moneyMonitor every dime you spend for a week/monthly/yearly Analyze spending line by line and see where you can cutSee if you can afford to send more money straight to your saving accountEven just increasing direct deposit from your paycheck to your savings by 1% -- little enough not to really notice but big enough to make an impactSeparate out the variable spending: those things in the household budget you have control over
