MJays Tip of the Month March A key to financial stability in the New Year is to spend less and save more. Try cutting back on non-essentials-- lunches out, news stand papers and magazines, fancy drinks, impulse purchases, etc. You will be amazed how these small expenses can add up to significant savings over time. LEGO Creations by DJ   MJays recently published her first children’s book entitled “LEGO Creations by DJ”. The author of this book is her seven-year-old grandson DJ. His LEGO creations in this publication clearly reflect the creative talent and abilities of this young author. DJ’s love and passion for LEGO projects far surpass anyone’s his age. He spends hours each day combining pieces from his LEGO collection and creating his own designs. The front cover features one of his favorite creations which he calls “The Straight Wing”. Writer's Digest "most impressed" with MJays Financial Management Guide Writer's Digest recently awarded MJays Financial Management Guide with a Certificate of Merit for their National Self-Published Book Awards competition. Included with the certificate was an evaluation and book review. Some of their many stellar comments included that they were "most impressed with the author's passion for the subject." They also said that "the book is well-written and accessible..." click here to go to the Writer's Digest website Put more in your piggy bank this year-pick up MJays FInancial Management Guide today! The Reviews are in... Writer's Digest wasn't the only organization impressed with MJays Financial Management Guide... Orangeburg Inside Out (Cable TV) "A wonderful little jewel...for an older adult or a teenager...very timely and very concise..." The Times & Democrat "Butler offers a readable, simplified approach to finances and you don't need an MBA to understand it."   Denise's Pieces book reviewer Michael Bogert "Finance books I've read in the past have either put me to sleep, or left me scratching my head for lack of simplicity. This book will tell the reader exactly what he or she needs, and in a way that makes it interesting to dig up the hidden treasured nuggets of finance. A lot of work and experience went into this one!  I enjoyed reading this book and all of it's contents, and I would encourage those who are in need of financial suggestions to pick up a copy today."   MJays Financial Management Guide was also featured in the August 2003 issue of Midwest Book Review's online magazine, Reviewer's Bookwatch  ( http://www.midwestbookreview.com )! Here's what they had to say... "MJays Financial Management Guide is exactly what it says it is: a simple guide to managing your finances. Where was this guide when I was growing up? It is bare-boned and dead easy to use. Mary J. Butler, the author, wastes not a word, and yet covers it all. This guide leaves nothing out, from preparing budgets and savings to low and high risk investments, retirement, trusts, estate planning etc. It has a simple mission: educate you and prepare you for managing your finances. It succeeds. Mrs. Butler, an accountant and financial manager, knows what she is talking about. She writes clearly, concisely, and spells it out in black and white for the layman. She is even kind enough to have chapter one be nothing more than a glossary of financial terms for the uninitiated. Whether you are 18 or 80, she has something for you and has an uncanny ability to cut through the jungle of information and get to the heart of the matter. She declares her purpose is to "educate, educate, educate" and she does so. She makes a good teacher as she is able to distill the tens of thousands of arcane pages of governmental policy into a 90 page no-nonsense guide to finances. It is quite an accomplishment and my "couldn't find finances with both hands" hat is off. I can see why this book was recognized by Writer's Digest. It delivers. Of course, we all wish Mrs. Butler could just do our finances for us. But barring that, well, at least we have her book. Of course mine may become so bedraggled from multiple readings that I'll have to go buy a new one. Then again, that's just one more example of Mrs. Butler's financial genius, now isn't it?" This review has been forwarded to Gale Research Company's interactive CD-ROM series "Book Review Index" (published four times yearly for academic, corporate, and public library systems). They would also like to feature MJays Financial Management Guide on their weekly book review television program "Bookwatch"(WYOU-TV, Madison, Wisconsin). We'll post more details as they become available!