When my husband and I were first married thirteen years ago, we were beyond broke.  We lived in a high cost of living area, I had student loan and credit card debt from college, and we only had one source of income at $35,000 a year.  The Tightwad Gazette was my go to resource for all things frugal. For Christmas that first year, we asked for two products:  a pair of hair clippers and a wooden dowel...

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