First I wanted to say a special hello to all you who have recently signed up for my newsletters. I appreciate your decision to keep in touch with me and look forward to getting to know you better.
Second, I hope you will enjoy the new simpler format. I’ve come to the decision that sometimes less…
![Less could also be more if your own finances are tight and you could use your unused items to pay off a bill or give your budget a little breathing space.](https://phyllis-sather.com/wp-content/uploads/2009/04/Less-REALLY-can-be-More.jpg)