Certain politicians, well okay all of them, said I would be making more money this year. I would have more money to spend on the things I need and want. They didn't tell me the things I need and want would cost more than the more money I would be making.

Get ready to stretch your wallet. We're already seeing the signs of prices creeping up in just the infancy days of 2011. So be prepared to open wide for

This is real advice about real things that you and I use. I know money can be tight we just have to be smarter about it.