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Ray Montalvo

Contributor

Ways to Enhance Your Backyard on a Budget

Your backyard doesn’t need to be grand or professionally landscaped to feel like an outdoor retreat. With a little creativity and some thoughtful planning, you can turn even the simplest outdoor space into a more welcoming, useful, and attractive area—without spending a fortune. Whether you want to create a relaxing spot for quiet evenings, a…

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Smart Parent Tips to Save Money During Your Baby’s First Year

The first year of your baby’s life is an exciting, joyful, and life-changing experience—but it can also be incredibly expensive. Between diapers, formula, medical checkups, clothing, and baby gear, many new parents spend thousands of dollars before their child’s first birthday. Fortunately, with some smart planning and budgeting, you can cut costs while still providing…

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