The SHARE Food Program, and SHARE Pharmacy, are just two ways to stretch your money to 'savings' point. Imagine this: 3 different SHARE packages offered in one month. (1) chicken breasts, 1 lb. deli roast beef, chicken thighs, meatballs, bar-b-que sauce, toaster bagels, potatoes, onions, and additional fruits and vegetables. (2) turkey breast, boneless, ready to cook, 4 lb.; plus one 3-lb. boneless ham. (3) Eight 6-oz. ribeye steaks. Each package: $15. plus 2 hours community service.

At last count, there were 5,000 community organizations known as SHARE host sites in U.S. alone, serving more than 175,000 each month. SHARE is an acronym for Self Help and Resource Exchange. You're guaranteed at least $30 worth of food in each SHARE box. There are no income requirements to participate. You can even log your two hours of community service in SHARE warehouse in your neighborhood, bagging oranges or onions or carrying a food box to an elderly person's car. Not only that, but you'll meet friendly, happy people who are all in same frame of mind -- saving money.

Call 1-619-544-2980 for a SHARE sponsor near you. Or go to: http://www.worldshare.org/site/index.asp?coach_id=5390

SHARE Pharmacy was formed in December '98, to offer low-cost prescription services. This is from World SHARE website: "Prescriptions are delivered by mail within 10-15 days to patient's door, a real bonus for those who have trouble getting out. For patients needing to transfer prescriptions, our friendly staff is here to help. If you know of anyone who is struggling to pay for their prescriptions medicines, please let them know of this fantastic program."

Gram emailed for some prices on common medications: Accupril (for high blood pressure), 40 mg., 30 tablets - $33.; Lipitor (for cholesterol), 20 mg., 30 tablets - $85.99; Atenolol (a heart medicine), 50 mg., 60 tablets - $10.49 generic. These prices are for someone without insurance or Medicare. Call 1-800-542-1110. Or email for fastest service: mailto:Pharmacy@WorldSHARE.org

These are both wonderful, non-profit programs that could grow even better if more people would take advantage of them.

Marketing your home is key to selling it and if you have to think about it, that is how many things are sold. There are a few things you must decide on before you move forward with selling your home yourself. The first thing you want to ask yourself is, you willing to put in time? Time is required to make flyers, set up your web site, take pictures, and return calls from buyers and agents. We are not talking about hours but you need to set a side a few minutes daily to follow up.

Next you have to decide what times you will make house available for showing, if you are or are not having an open house and what (if any) commission you are going to pay. When someone puts an offer in on your home you have to accept or counter offer. If there is a problem with any of inspections you will have to decide how to handle it with buyers. Oh wait; these are things you need to decide on with an agent any way.

The truth is there isn't a right answer. It depends on you and your situation but if you are willing to put some effort into it. Can you sell your home yourself and save thousands? Yes. Is it worth little extra work? Yes. Will attorney or Title Company handling settlement for a small fee handle seller side also which is mostly tax and mortgage payoffs information? Yes.