This article is presented by Kelly Whalen, Consumerism Commentary staff writer who bought a second car with her husband last weekend.As a busy mom of four and work-from-home parent, I often get told people don’t know how I do it all. It’s simple, I don’t. These are some of my techniques to save time, which means more money in my pocket, and more time for my family.

By Paul Michael In advertising, my chosen career, there is an unwritten rule for working with clients that makes everyone’s lives just a little better. It’s the Three F Rule. But when I explained it to people outside of my industry, they immediately saw ways that it could apply to their own lives. And so, I’m sharing it with you.

By Philip Brewer There are two ways to make a major change in your life. One is to make a series of small changes--this month you might brown-bag your lunch one day a week; next month you might go for a short walk every day. The other is to make all your changes at once--cook all your own meals, exercise daily, and turn your hobby into a business. Either way can produce permanent changes for the better.