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Budgeting, Money-saving tips, Self-reliance, Winter Survival -

T.S. Eliot said that April is the cruellest month, but he was wrong. February is surely the champion of cruel months. From the dirty snow that’s been heaped along the sidewalks since November’s first storm to the grey skies that make it seem like evening all day long, February, in my opinion, is winter outstaying its welcome, and even though it’s the shortest month of the year, it usually feels interminable. Worst of all, for many of us February is also a month of icy cold temperatures, resulting in pricey heating bills. Here’s the good news: You don’t have to...

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