If you are on a tight budget, or you otherwise cannot justify making certain luxury purchases, there are ways to incorporate certain luxuries into your lifestyle without blowing the budget or feeling guilty. One great way to do so is to buy joint gifts. If everyone in your family wants a flat screen TV, why not make it a family Christmas present? Cut back on other smaller, individual gifts to make the larger purchase. A dishwasher might be another luxury item that would make life easier for the entire family. Even the kids will appreciate it when they can go … Continue reading →