Friday Family Photo
There's a new Superman movie out with Brandon Routh. Superman turned 50 in 1988 and so did my husband.
Also in the photo are, from left, Fran, Connie, Marvin, Tony, Nancy and Margie.

13 things we did when the budget got tight.
After six carefree years as DINKS (double income no kids), we went to one income in 1994 when my husband decided to go into business for himself. Although we were never profligate spenders and had lived on one income our first 18 years of married life, we had to learn all over to tighten our belts. If you need to go to one income so one parent can stay home with children, most of these tips will work for you too.
1. Put all credit cards except one in the drawer--and it was only for emergencies. Cash only for day to day expenses.
2. Ate out once a month instead of once a week.
3. Stopped going into retail stores or the mall, "just to look."
4. Threw out all retail ads and circulars that came to the house. The word "SALE" actually is a trick word meaning "debt."
5. Bought no new clothes.
6. Reduced our utilities--water, electricity, gas, and phone.
7. As part of the buy-out, we got a rather old company car and used it as our second car for a year so we wouldn‘t have car payments.
8. Borrowed a computer for the business; used a small room in the house for an office. I was "staff" and worked when I got home from my job. He bought no equipment until he made some money--he went to the drug store to copy things, and Kinkos to use the fax. After the first year we bought a copier, fax and our own computer. He decided against learning CAD at his age so that was outsourced.
9. Took a five year buy-out of his stock in his former firm. That provided some income and reduced the taxes.
10. Made no major repairs on the house, or decorating, or new furniture.
11. Maintained my regular contribution to my 403-b at work.
12. Maintained our church tithe, but discontinued all other donations.
13. Gave up his downtown Y membership and joined an aerobics class at our suburban church (which he still does).
After two years, and he had established his practice, it was business as usual.
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Phil Wright who is one of a handful of craftsmen who does this says he's used to doing work on a handshake, and it was just too much red tape. I can see having a contract, especially if you are a county or state agency, but 20 pages?