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27, 2009)OTTAWA Felicia Janulewicz used to try candy flavoured cigarettes at parties. Captain Black's, she recalls. Vanilla flavoured.Kingsmills kicks off clothing drive for jobless seeking jobs (May. 27, 2009)Kingsmills Department Store is launching a clothing drive that could help get people back to work.Citi Plaza 'mayor' goes clean and green with clothes cleaning shop (May. 27, 2009)The shoe repair "mayor" of Citi Plaza is back, and with a new eco friendly dry cleaning business to boot.Farmers step up to plate with donations (May. 26, 2009)SARNIA As Sarnia Lambton food banks struggle to keep their recession depleted shelves stocked local farmers are stepping up to the plate with fresh meat and produce.Credit card rules OK'd (May. 22, 2009)TORONTO Finance Minister Jim Flaherty said new credit card regulations would protect consumers, but Canadians shouldn't expect to see lowered or capped interest rates on their charge cards.Basic steps for budgetsI've been researching the personal budget process online and my favourite sites deal with student finances and seem to be written in plain English, which is always a good thing.To get the process started there are a few very basic exercises of which one needs to take care.Determine fixed monthly costs rent, utilities, cable, Internet and other costs that don't fluctuate. For me that includes support payments to my former wife and children, a vehicle loan payment and a debt consolidation loan payment.Estimate variable expenses, such as food, gas, laundry, clothing and entertainment. This one's a little tougher because I tend to overindulge on pay