I learned most of my savings tips from my father.  I brought my lunch to work almost every day - like, 19 out of 20 days.  The other days, it was something simple, like a sandwich, nothing fancy.   I also never buy coffee at Starbucks or other coffee...

We booked a Norwegian fjords cruise in February 2021, and just yesterday booked our airfare and hotel.  We were supposed to sail on July 3 from Amsterdam, but our ship is currently housing refugees from the Ukraine.  I applaud the cruiseline's suppor...