Here are some great ways to save money on your children, which will also teach your child to be financially responsible:

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Here are 10 ideas for valentines day that won’t break the bank, and if you play your cards right you might get lucky and get to play some cards. My favorite game is go fish, what’s yours? I pulled this list from an article on today on msnbc.

1. Devise a plan. Especially if money is tight right now, sit down and talk about what makes the most sense for both of you this Valentine’s Day. Is this really the year to long for diamonds? For expensive flowers that will wilt and die in a matter of days? For a high-dollar night out? Instead, consider focusing on spending quality, memorable time together this year — sans a big outlay of cash.

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I haven’t been to some of the places on this list, but I will definitely be trying them out in the future. So without further a due, here are the top 10 Cheap Dates in Southern California.

1. Bond St. Beverly Hills
9360 Wilshire Blvd.
Beverly Hils, CA 90212
(310) 601-2255
www.bondstrestaurant.com

2. Cafe Flore
214 S Robertson Blvd.
Beverly Hills, CA 90211
(424) 354-3405
www.cafeflore.us

3. Laugh Factory (I notice “most” of these comedy show are R-rated.  So if you don’t like profanity or sexual jokes, this might not be the place for you.)
8001 Sunset Blvd.
Hollywood, CA 90046
(323) 656-1336
www.laughfactory.com

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Since the economy is going to be much worse next year, here are some New Year Resolution Ideas on how to save money.

1. Pay off all your debts (Instead of paying the minimum balance every month, try paying the full amount so you can avoid the interest.  Example: Let’s say you bought a television that costs $399, and you decided to pay only the minimum balance on the TV.  By doing this you are probably adding another $400 dollars to the cost, bringing your $399 television to become a $800 dollar television. You just paid double for that TV, when you probably could have saved your $800 dollars and bought a better TV with it.  This makes no economical sense, and yet a lot of Americans do this, very strange consumer behavior.)  Ways you can get rid of Credit Cards Debts

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Now that layaway has been gaining popularity, it makes me think if it is any better than a credit card.

What is Layaway?
A payment plan in which a buyer reserves an article of merchandise by placing a deposit with the retailer until the balance is paid in full.  Which also means, you are paying for something you don’t have until you pay it off.  What’s the point of buying things when you don’t get it right away?

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With the economy going down the drain, I think it’s best to choose store brand products compared to brand named products. We are paying more for brand name because of their advertisement costs, but you can’t even tell the difference between most brand name and store brand product. It is probably wiser to save that money for a nice vacation.

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