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When I booked my ticket for New York back in October, I knew January would be frosty. What I didn’t know was that I’d be present during their coldest period in over 100-years with a record-breaking day of 4-degrees Fahrenheit. All I can say is brrr…..

I’ve been a very good (aka frugal) girl lately. I’ve reduced my Starbucks visits down to one day a week from three days a week (and this used to be 7 days a week habit, so I’m rockin’ this budget buster!) I’ve been consistent with riding my bike three days a week saving a few bucks on gas, and I’ve been eating at home more often.