Use It Or Lose It!

When I was in the military, I earned compensation time off. The rule was if I didn’t use it, I would lose it. Even though I had worked while others didn’t and the time off was rightfully mine, the opportunity to use it was for a limited time. I remember losing comp time again and […]

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Accept No Substitute!

After 20+ years in the military, I know how to stretch our limited personal budget. One of best ways is to buy generic substitutes! Generics can be half the price of a name brand and are as good, or at least good enough. They have the same ingredients, so I don’t bother looking further. My

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