WIN A FREE $25 STARBUCKS GIFT CERTIFICATE.   Go online and take the Frugal Living Course (http://www.udemy.com/frugal-living) using the free coupon 1BYCOM.  Describe how EACH section of the course helped or will help you trim your budget and by how much on the BY Communications Worldwide Facebook page.  The person who receives the most comments for their savvy savings skills from other BYCom followers by FRIDAY, NOVEMBER 9, 2012, will be able to enjoy the sweet aroma and the delicious taste of the cocoa bean from hot cups of Starbucks coffee for FREE.

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