Need a super quick and cute Valentine’s Day gift for a classroom or group setting? This tutorial shows you how to make a crochet heart in just one minute, paired with a simple DIY paper envelope.

And, it feels a little more special when you use pretty letter-writing paper. You can can even make coordinating envelopes.

Using pen and paper, envelopes and spreadsheets are free, low-tech ways to budget. The best budgeting tool is one you'll use regularly to track expenses and plan for future spending. Not everyone ...