Step for successful gift giving:
- Set a budget, including taxes, shipping, and handling
- Make a list, check twice
- Look for sales, promo codes, and use browser plug-ins like honey
- Make purchases
Ms. Black, the host of Staying in the Black, is a single mom, homeowner, and public school educator in NYC. She owns two properties and is one mortgage away from being totally debt-free. She loves traveling the world with her family and has over $500,000 in her retirement accounts beyond her pension.