Creating a budget and staying with it is hard work, so it’s no surprise that an estimated two-thirds of Americans don’t do it.  But if you'd like to be more in control of your finances, then it's a necessary evil. Fortunately there are ways you can make budgeting more fun!

We live in an era where your first thought involving any subject may be “is there an app for that?”, and as far as budgets are concerned, the answer is “ABSOLUTELY”. You've no doubt heard of Mint, which will help you create a budget, track your spending, and even pay bills for you. This app is highly recommended by experts, so it will probably do a great job... but if you are looking for a little more excitement in your budgeting apps:

• Urge. The best way to save money is not to spend it in the first place, and this app will challenge you to resist the urge to spend money.
• Digit. If you've always wanted someone to watch your spending, then grab your extra change and put it in a savings account for you, this is the app you need.
• Acorn. While not a budgeting app, Acorn will round up your purchases to the nearest dollar and invest the extra change for you.

Creating and using a budget doesn’t have to be some tortuous task only an accountant could love. With these apps in your pocket, the money you save may be your own.

Martin Luther King Day is not only a chance to honor a great American, but to realize his dream of serving others. Did you know that when he was a boy, King wanted to be a fireman? We all have childhood dreams about different occupations which, for one reason or another, fall by the wayside before we become adults. But we have a chance to revisit some of those childhood aspirations by volunteering on the Martin Luther King, Jr. Day of Service!

King “had a dream”—many, in fact. One dream was that we could live in a community where hunger, homelessness, and poverty didn't exist, because we all helped each other out. Why not pursue one of your childhood dreams while serving others?

• Did you always want to be a veterinarian? Or maybe a lion tamer? Your love for animals would be greatly appreciated at the local animal shelter.
• Never got around to going to med school? Volunteer at local hospitals, health clinics, or the Red Cross.
• Think you would you have made a great teacher? Find out by helping at your local schools or libraries.
• Is the world suffering because you were never a chef? Offer to work at a local soup kitchen, or teach a class on healthy cooking at a community center.

As you can see, occupations from newscaster to farmer could easily be “tried out” by volunteering. Websites like Volunteer Match can help you narrow down volunteer opportunities by interest as well as location. There are even some activities that can be done virtually, like writing jingles for organizations.

This MLK Day of Service, do what you can to make your old dreams, as well as those of others, come true.

The holidays are over, and you may have over-indulged. May have??!!! Who can resist Grandma's apple pie? And you just had to try your brother's Flamin' Hot Cheetos Marshmallow Treats (yes, these do exist!), so it's no wonder you may notice a little post-holiday bloating and weight gain.

But we've got you covered with these ideas to get your workout back on track!

• Try bouncing your way back into those tight britches with a trampoline workout. Mini tramps are available in most sporting goods departments or online. Whether you watch videos, jog in place or dance to your favorite tunes, this low-impact exercise will put you in the mood to get back in shape.
• Holidays and anxiety just seem to go hand in hand, so something to ease the holiday tension might fit the bill perfectly. Yoga can help you quiet your mind, and classes are available practically everywhere these days. If you want to get started at home though, there are plenty of videos on Youtube, or you can begin with this yoga workout program.
• If you're going to be heading back to the gym after the holidays, be sure to put more emphasis on weights than cardio for a few weeks. Lift heavy weights targeting the legs, back, and chest—the major metabolic muscles—which will get your weight back on track faster.

Be sure to get plenty of sleep while you're recovering from the holidays, too. Sure you’d like to fit back into those skinny jeans as quickly as possible, but your overall health is ultimately more important than quickly losing a few pounds.

5, 4, 3, 2, 1… Happy New Year!

For as long as any of us can remember, the dropping of the ball in Times Square has been synonymous with ringing in the new year. The celebration is always bright and colorful and everywhere you look, there are tens of thousands of people out, all deliriously happy even though it’s freezing outside.

It’s just how they roll in New York, and they’ve been doing it for a long time. The first Times Square celebration goes all the way back to 1904 when Adolph Ochs, the owner of the New York Times, decided to throw a party to kick off the opening of his new headquarters. Not one to do things small, the celebration featured a fireworks show from the top of the building, and an estimated 200,000 people attended.

The world-famous ball didn’t actually ‘drop’ that night. For the event, Ochs constructed a sphere built from wood and iron and electrically lit with a hundred incandescent bulbs. A team of six men hoisted the 700 pound construction up to the top of the building, where on the stroke of midnight, it lit a giant sign welcoming in 1905.

The ball changed many times over the years until it reached its current incarnation, a 12 foot orb lit by over 32,000 LED lamps and weighing nearly six tons.  Designed to be weatherproof, the ball is permanently displayed at the original building located at One Times Square.

Whether you’re planning a big gala or just want to ring in 2017 with a few friends, have a great and safe New Year.

It’s that time of year again. No, not presents (though everybody likes those, too.) It’s the time of year to find out some more interesting facts about everyone’s favorite holiday.

Ready?  We thought so.

• Thor has nothing on Santa. Two of the reindeer are actually named after weather phenomenon: Donner, which means thunder in German, and Blitzen, which means lightning.
• Bah, humbug indeed! While Alabama was the first state to declare Christmas a legal holiday in 1836, Oklahoma put off the declaration until 1907.
• Eggnog originated from the early medieval Britain “posset,” a hot, milky, ale-like drink. It wasn’t until the 1700’s that the drink became associated with the holidays.
• George Washington penned his own recipe for eggnog. In addition to the usual eggs and cream, George’s mixture called for one pint brandy, 1/2 pint rye whiskey, 1/2 pint Jamaica rum and 1/4 pint sherry and came with the instructions: “taste frequently.”
• Before turkey, the traditional English Christmas dinner included a pig’s head smothered in mustard. Yum!
• he first mall Santa was James Edgar, a department store owner in Brockton, Massachusetts. Edgar put on the suit in 1890, and the rest is history.
• The Canadian Post Office receives so many letter for Santa that they created a special zip code for ol’ Kris Kringle: H0H 0H.

And on that note: may visions of sugar plums dance through your head this yuletide season.

In other words, Happy Holidays.

It happens to the best of us at some point in time. Like Santa, you made your list and checked it twice. The Christmas shopping was done early and under budget. You’re all set, right? Well, no.  Aunt Edna and her family are coming to visit, along with your brother and his kids. You need gifts, and you need them fast.

Don’t worry, we have you covered...

Gift Cards: the all-purpose cheat.  These plastic life-savers are easy to find and offered by almost all of the major retailers. Who wouldn’t want some money to buy just what they want at their favorite store?

Food Never Fails.  If you have any cooking talent, now is the time to use it. Brownies, cookies or your special apple fritters - whip them up fast and then find some pretty ribbons and bows for that personal touch.

Basket Toss.  When the sands of time are running low, specialty baskets can be a great solution.  They come in many varieties (cheese lovers, chocolate lovers, etc.) and during the holidays, the stores are stuffed with them.

That’s the Ticket.  While you’re chatting with your brother and Aunt Edna on the phone, throw in some subtle questions about what type of shows they like. Armed with that information, make an online dash to Ticketmaster or StubHub. Gift problem solved.

Regifting.  The ultimate cheat, but desperate times call for desperate measures. Just make sure you remember where the gift came from.  Nothing is worse than gifting back to the person who originally gave it to you!

With these handy tips, you’ll be prepared no matter what (or who) shows up at your door.