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LAST MINUTE GIFT IDEAS FROM THE COMFORT OF YOUR SOFA

So it is Christmas Eve day and you still don't know what to get that difficult to buy for Brother-in-law or you just got the call your girlfriend is dropping by and you are sure she is going to give you a present and you haven't shopped for her - Yikes!

Gifts you can Print to the rescue (or SMS, email, Facebook or Whatsapp).

Benefits

Take advantage of purchasing eGift cards or experiences by instantly and electronically sending the gift to your gift recipient. This is better than buying a plastic gift card because you can always reprint an email code if you lose the piece of paper and now with the new legislation, most gift cards and vouchers have a 3 year expiry or in the case of www.noexpiry.com just what it says ... no expiry.

I don't know which to buy

If you hesitate to use gift cards because you don't know which one to buy. My advice is get something universal. At www.giftcardstore.com.au you can buy a virtual Mastercard which can be used anywhere Mastercard/Visa is accepted.

Perhaps a voucher for an experience from www.RedBalloon.com.au is the ticket. Your giftee can choose from any of the experiences on their site and use the voucher towards the price of a larger, more decadent experience.

Where do you source these fabulous, in-the-nick-of-time gifts?

Here are my recommendations

Experiences

Red Balloon

No Expiry

eGift Cards

Prezzee

Gift Pay with eCards from $5

Gift Card Store with virtual Mastercards

DO NOT BE FOOLED, APRIL IS FULL OF FABULOUS SALES

Here are some curated sales that caught my attention including promo codes for that additional discount or free postage...

My love affair with eBay Australia continues. They have kicked off April with a stunning fashion sale with up to 70% off amazing fashion brands. From April 2 until the 7th selected fashion retailers including Myer, Glue Store, Zimmy, Sol Sana, Saba, SurfStitch and Nike have massive sales on men's, women's fashion, shoes and accessories. Also check out 40% off bevelles jewellers on eBay or kathmandu store for up to 50%. But wait there is more. Take advantage of FREE shipping with selected sellers by using this code at checkout. PFREESHIP.

Here is another one of my favourite deals on eBay. If you love cooking and decking out your kitchen, then you will love this. One of my favourite kitchen brands, KitchenAid eBay store is celebrating Kitchenaid's 100th anniversary and celebrating with 20% off some of their premium hero products.

Duration: 2 April – 9 April • 20% off selected items code: PASTA

Deals on tech?

KOGAN is doing a range of discounts on Apple products. Apple normally don't discount.

- Macbook Air discounts Apple 13" MacBook Air (128GB, 1.8GHz, i5) - MQD32 $1,399 Don't Pay $1,499 Save $100

- Apple 13" MacBook Air (128GB, 2.2GHz, i7) $1,549 Don't Pay $1,739 Save $190

- Apple 13" MacBook Air (256GB, 1.8GHz, i5) - MQD42 $1,599 Don't Pay $1,799 Save $200

Apple iPhone 7 Refurbished (32GB, Gold) - AB Grade Factory refurbished to the highest working standards. $479 covered by Kogan warranty (1 year). Also free shipping using code FREE4U ends soon.

INSPIRATION FOR A HEALTHY & ETHICAL EASTER THIS YEAR!

Easter season is coming and isn't a happy one for everybody especially those with allergies. Follow our guide to a healthy and ethical Easter!

If you have family and friends with allergies, special diets or just not massive chocolate fans, finding an appropriate gift for the season can be difficult. So, shopping challenge accepted! I was delighted to discover some inspired options for healthy Easter eating.

I started thinking about the recipients of my gifts and I decided to add a little inspiration to make it much more fun, healthy and ethical too. Need I add that providing healthy eggs options to your Easter hunt will guarantee the kids wont be bouncing off the walls on a sugar high?

Carob Kitchen Mini Easter Eggs

Carob Kitchen’s all-natural carob products are 100 per cent Australian owned and grown, and free from added sugars, dairy, caffeine and preservatives. Carob is also a great source of dietary fibre and is rich in calcium, iron, and Vitamins A, B2, B3, B6 and D.

Read full article here

FESTIVAL OF SALES

Need a little inspiration to keep you sane through the isolation period? The options are endless with a little creativity and a daring spirit...

BEST AUSSIE ORGANICS

Buying the necessities safely means you can still bag a bargain.

LOCAL & DELICIOUS

Supporting local growers, producers, manufacturers is its own reward

BEST VALUE BUYS FOR FURBABIES

Great value on everyday pet products and some innovative products you will love.

THE LATEST SHOPPING TRENDS & SPEND

I recently had the opportunity to talk to Afterpay’s EVP ANZ Sales and Global Instore, Rachel Kelly about the latest shopping trends following the launch of the Afterpay Bi-Annual Global Trends Report. Here are some of the Q&A...

With Aussies being mindful of their spending in the COVID 19 economy, what behaviour have we seen to date and what is anticipated for the Christmas shopping period?

As can be expected, we’ve seen an increase in the tracking of finances with three in five (60%) Australians saying that budgeting has become more important since the Pandemic. This has led to them taking a closer look at how they are spending with more than half (53%) of Australians saying they’re moving away from credit/interest based services and almost a quarter (23%) saying that the ability to pay off a purchase in instalments is more important to them now than before the pandemic.

We’ve also found that more than half (52%) of the Australian population have said they’re more likely to purchase an item if they have the ability to pay in interest-free instalments, so I think we can expect to see a lot of our 2020 Christmas shopping paid for in this way with services such as Afterpay.

In the wake of the pandemic, we’ve also seen the ‘support small’ mentality has grown with 65% of Australians making a conscious effort to shop locally. This is a much needed boost many Australian small businesses need, with the Christmas shopping period an opportunity to create sales, following such a turbulent year.

In terms of specific gifts, we’ve seen a huge increase in purchases in areas such as gardening, hobbies, games, home, beauty and entertainment – so we think we’ll see this come through in potential gifting options this Christmas.

Managing finances is front of mind for many Aussies right now, how has Afterpay responded?

With financial responsibility and financial wellness rising to the top of the priority ladder for so many Australians, we introduced two new features, back in August; visibility into a customers’ estimated spend limit, and the ability to pay off some or all of an outstanding balance ahead of a scheduled payment, giving customers complete freedom and empowerment to manage their budget and cash flow accordingly.

What is expected purchasing behaviour for Christmas 2020…will shoppers shop up to the last minute for Christmas or will shoppers do most of the retail shopping early, in sales like Black Friday/Cyber Monday, Click Frenzy?

I think we’ll see an increase in budget conscious shoppers taking advantage of Black Friday and Cyber Monday sales this year. With a little bit of planning, Christmas costs can be reduced significantly by utilising key sales periods and by paying it off in interest free instalments.

more...

HOW COVID-19 HAS CHANGED THE WAY WE DRESS

Chatting to Fashion Psychologist Shakaila Forbes-Bel talks about how COVID-19 has changed the way we dress based on insights from Afterpay’s Bi-Annual Global Trends Report.

more...

AUSSIES PLANNING FOR A SAVVY CHRISTMAS

As it is only weeks away until Santa visits, our shopping focus turns to Christmas gifts with the average Aussie planning to spend $893 on gifts this season. It seems we are all in when it comes to making 2020 end with a festive celebration.

more...

OK, so Christmas is just over 25 weeks away. Do you have ten or more gifts to buy? Why not shop the sales, spread the expense and have a very merry and relaxing Christmas... not to mention a thrifty one.

more...

FESTIVAL OF SALES

BEST AUSSIE ORGANICS

As a shopper and someone who actively considers health and sustainability in my purchases, I do have a bias for buying organic and buying Australian. I do love to use organic, botanical home products, skincare and hair care.

more...

With the countdown ticking away until Christmas Day, making your list and checking it twice has never been more important than this year. This is not the year to leave your shopping to the last minute.

more...

AMAZON
PRIME DAY
THE LONG AND THE SHORT OF IT

I was recently asked to pull a hot list of fabulous Black Friday bargains for my chat with Jim Wilson on Radio 2GB Drive. The hardest thing about these sort of lists is editing down to just a few items when there are so many wonderful brands and significant savings to be had.

more...

The EOFY sales are off and running. The reason why they seem even bigger and better this year? We Aussies finessed our shopping skills on lockdown and even the resistant have grown to love it. Amazon Prime Day in Australia is on Monday 21 June (yes the shortest day - solstice) but running their local deals for 48 hours and international deals 65 hours. Not only are most of the Amazon products half price like Amazon Echo, Echo Dot, Echo Show 8 and Kindle but the big brands and boutique Aussie businesses alike. check out the Amazon Shop Local store to discover some wonderful Aussie products.

more...

UPCYCLE TO SAVE THE BARRIER REEF

It is estimated that more than eight million tonnes of plastic, including harmful fishing nets, end up in our oceans every year. As younger generations lead the charge in demanding eco-friendly fashion and environmental first initiatives from brands, we can expect to see more recycled fashion in the future.

more...

STOCKING STUFFERS WE LOVE

COMPACT MIRROR

& MOBILE POWER BANK

Homedics LED Mirror & Mobile Powerbanks

STUNNINGLY PRACTICAL IPHONE CASE

CRADL by name because it makes using iphone so easy even in landscape

IS IT A BACKPACK OR A COOLER BAG?

Keep things cool or warm with CoolClutch inspired insulated handbags

MAKEUP GLASSES FOR FLAWLESS FINISH

Makeup is easy with full focus makeup glasses from OZKO Eyewear

GORGEOUS GIFTS THAT KEEP ON GIVING - WRITE THE WORLD

I love to vote with my dollar and I love to support a great cause. But I really love it when I find gorgeous gifts that support a great cause. Write The World Notebooks do just that.

They have a range of gorgeous notebooks for $10 with 100% of the price of the notebook going to approved effective charities that improve the lives of people living in extreme poverty.

Since last September (2019) they have raise A$26,120 for charity.

A feel good stocking stuffer with a design for everyone.

Shop Now

NO FLIES ON ECOMIST

I have been using Ecomist automatic insect control for years. It is my secret weapon.

The Ecomist Natural Insect Killer uses natural pyrethrins derived from the Chrysanthemum Daisy, sourced from Tasmania and East Africa and manufactured in New Zealand.

It releases a spray or two every 8 minutes. The pyrethrins drive the bugs crazy and they flee. So if you want a home that is silverfish free, cockroach free, spider free, ant free etc My cats don't even have fleas. I live across the road from a lake and the mosquites are managed. Learn more

DYSON SUPERSONIC

I am a fan of ultramodern design and I love the reinterpretation of everyday household items with an artists touch. Finally, form and function has reinvented the ugly ducking in the bathroom – the hairdryer! More

STYLE & INCREDIBLE VALUE

Jo Munro Collection Jewellery Swarovski Sterling Silver Crystal Jewelry

TV - SAVVY STRATEGIES

SHOP

SPRING INTO DISCOUNT DECOR

With the arrival of KMARTs new Spring catalogue and new range of homewares, Jo takes us on a tour of her favourite rooms and stunning bargains for a fresh Spring makeover.

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SAVE

HOW DO YOU FIND THE BEST JEANS UNDER $50?

Dress them up or down, where them around the house summer or winter, jeans are a stable wardrobe item for Adults, kids and babies. Where do find the best bargains?

View

AUDIT

READY, SET, SHOP!

Which are the best online stores and what makes a great customer experience? Join Karl, Lisa and Jo for an inside look at the best online stores.

View

SHOP

COLES NEW STORE ON EBAY AUSTRALIA

Coles joins 40,000 stores on the eBay platform. Launch offer of saving 25% off grocery bill.

View

SPLURGE

ONLINE SALES IN FEBRUARY - CLICK FRENZY & CATCH

Travel deals abound on Catch with stunning deals to China, Maldives and Bali. Catch Club sale with amazing bargains off our favourite brands.

View

SAVE

OUR COFFEE HABIT CAN COST THOUSANDS A YEAR, CAN WE SAVE?

Some Aussies are spending $2,000 a year on their takeaway coffee habit, can we get a decent coffee for 37 cents?

View

SHOP

ALDI'S LARGEST SPECIAL BUYS EVENT

Each year the most eagerly awaited Special Buys event is the Ski Wear sale. This year it is kicking off on Saturday 19 May. Here is your official sneak peek

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SAVE

WHAT ARE THE SAVVY SECRETS TO OUTLET SHOPPING?

Learn where to find the best deals for designer brands online & instore with the tools to ensure you get the very best price

Vie w

SAVE

BACK TO SCHOOL CAN BE EXPENSIVE, HOW TO SAVE

Back to school books, supplies, uniforms, shoes and the items keep mounting up and so do the cost..

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SHOP

MID-SEASON SALES EARLY

This year many shoppers have been surprised at the sales arriving 2 months early. Jo never misses a moment to share her top tips and savvy strategies to make the most of the sales.

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SAVE

HOW DO YOU FIND THE BEST RESTAURANTS & ENTERTAINMENT DEALS?

Learn where to find the best deals for food, experiences, spa treatments and shopping. Join Jo, Karl & Deb for the insider secrets on never paying full price again.

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STRATEGY

ONLINE SAVING STRATEGIES

Which are the best comparison pricing sites? How do you use social media to save on your purchases? Join Jo, David & Erin for all of the top tips.

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SHOP

SPRING INTO DISCOUNT DECOR

With the arrival of KMARTs new Spring catalogue and new range of homewares, Jo takes us on a tour of her favourite rooms and stunning bargains for a fresh Spring makeover.

View

SAVE

HOW DO YOU FIND THE BEST JEANS UNDER $50?

Dress them up or down, where them around the house summer or winter, jeans are a stable wardrobe item for Adults, kids and babies. Where do find the best bargains?

View

AUDIT

READY, SET, SHOP!

Which are the best online stores and what makes a great customer experience? Join Karl, Lisa and Jo for an inside look at the best online stores.

View

SHOP

ARE YOU HOT IN BED?

Sleeping comfortably is about regulating your temperature during the night. Learn what fabrics, bedclothes and strategies ensure a great night sleep for you and for the kids.

View

SAVE

HOW CAN APPS HELP SAVE ON YOUR WEEKLY GROCERIES?

Saving money on groceries can really help extend your weekly budget, Coles, Woolies & Aldi have apps to assist with organising and saving money.

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EARN

STRATEGIES TO INCREASE WINNING?

Jo chats with David and Sonia about increasing your luck. Learn how to increase your chances to win competitions, prizes and cash.

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SHOP

DUTYFREE SHOPPING IS IT STILL GOOD VALUE?

Is duty free shopping still the bargain hunters mecca it once was? Learn which items are a great buy, which are at parity and which are over priced... View

SAVE

WHAT ARE THE BEST VALUE EASTER GROCERIES?

We investigated in our three favourite grocery stores to see who wins for value, range and price .

View

EARN

AMAZON IN AUSTRALIA - WHAT WILL IT MEAN?

Jo discusses with the fabulous Karl and Lisa about the Amazon opportunity in Australia and what it means for retail and for everyday Aussies. View

SHOP

WHAT IS THE BEST DAY & TIME TO SHOP FOR GROCERIES?

The time of day you shop, the day you shop and the way you shop has an impact on the price you pay. Learn how to get the best bargains when you shop for groceries. View

SAVE

SAVE HUNDREDS OFF YOUR GROCERY SPEND

If you read my articles, blog or watch some of the programs I contribute to you will no doubt know I am a fan of buying in bulk as a wonderful strategy to save money. View

EARN

WHICH ITEMS IN SITTING AROUND YOUR HOUSE WOULD SELL ON EBAY?

Which items are in demand and selling that may be laying around your home? Learn the insider view from Jo Munro on the latest research on hot selling eBay items. View

SHOP

ONLINE TACTICS TO MAKE YOU PAY MORE!

How do online retailers target customers to pay different pricing?

Check out Sonia, David and Jo's discussion on dynamic pricing. View

SAVE

All about shopping Black Friday with Jo Munro TODAY

GETTING THE BEST FROM BLACK FRIDAY SALES IN AUSTRALIA

For many Aussies, shopping hte Black Friday Sales is new. Black Friday is a US sale that has now taken off around the world. Learn how you can bag a bargain. View

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EARN

CASH IN ONLINE WITH STUFF AROUND YOUR HOUSE

eBay tells us most Aussies have $2000 - $9000 of unwanted items laying around their homes. What should you declutter and what will you get for it? View

DAVID JONES V MYER RETAIL WARS!

Take a look at what plan David Jones and Myer stores have planned to win loyalty with the Aussie Consumers.

What is new and what rewards await. View

SAVVY STRATEGIES TO SAVE ON YOUR HOLIDAY CELEBRATIONS

With Summer holidays there has never been a better time to ensure you are making the most of your money as you celebrate with your family and friends. Check out how with the Today Show team View

View More Subscribe to our Youtube Channel

EARN MONEY WORKING FROM HOME

2 Million every day Aussies earn money from home by taking advantage of the range of opportunities in the online marketplace.

Check out some ways you can too. View

PRODUCTS YOU DIDN'T KNOW YOU NEEDED

COMPACT MIRROR

& MOBILE POWER BANK

Homedics LED Mirror & Mobile Powerbanks

STUNNINGLY PRACTICAL IPHONE CASE

CRADL by name because it makes using iphone so easy even in landscape

IS IT A BACKPACK OR A COOLER BAG?

Keep things cool or warm with CoolClutch inspired insulated handbags

MAKEUP GLASSES FOR FLAWLESS FINISH

Makeup is easy with full focus makeup glasses from OZKO Eyewear

HOLIDAY SEASON CAN BE TOUGH SO ROLL AWAY THE SIGNS

I first saw the jade roller when doing a gift guide session at Ch9 in Sydney. Sonia Kruger was saying how good they were.

I recently gave one a test drive. They really are wonderful. The Luxe brand has a vibration feature too so promotes circulation and encourage skin cell rejuvenation, to stimulate the lymphatic system helping to combat puffiness and water retention.

On a hot day or after the night before, 10 mins in the fridge and the cool jade applies your facial serums or oils, encouraging better absorption as well as skin health, improved skin tone and a radiant complexion. ohh and those dark circles and puffiness are kept at bay.

An excellent Stocking Stuffer!

Learn More

ISO COOKING OBSESSION

Have you spent some time at home cruising your cook books and dedicating some of your time to cooking? Me too.

The appliance I have been making the most of (beside the coffee machine) is my Philips pasta maker.

Its not just about the spaghetti! Think noodle soups, stirfry noodles and yep even sweet biscuits and a parmesan shortbread or two ...

Shout out to my fave new recipe site Cooks Republic with a stunning Hot Mushroom Dan Dan recipe using the Philips Pasta Maker pictured with delicious spelt wheat bronze glowing noodles!

Learn More

NO FLIES ON ECOMIST

I have been using Ecomist automatic insect control for years. It is my secret weapon.

The Ecomist Natural Insect Killer uses natural pyrethrins derived from the Chrysanthemum Daisy, sourced from Tasmania and East Africa and manufactured in New Zealand.

DYSON SUPERSONIC

STYLE & INCREDIBLE VALUE

ARTICLES - MONEY SAVING STRATEGIES

HOW I MADE A FORTUNE FROM BEING A SHOPAHOLIC

I am a self-confessed shopaholic. I love shopping online, I love shopping at sales and I love shopping overseas. I can explore for hours looking for fabulous trinkets, not even realising how much time is passing in the process.

HOW TO MAKE MONEY ON EBAY

Where could the (aspiring) small business owner get started with an online store knowing that, with the right set up, large numbers of customers would be able to find their items for sale (even using Google)?

HOW TO BAG A BARGAIN SHOPPING AT OUTLET STORES

Outlet stores like Brand Smart, DFO and Harbour Town are often great places to shop, however, to really ensure you are making your dollar stretch Savvy Shopper Jo Munro shares her expert tips.

HOW TO PAY FOR YOUR DESIGNER WARDROBE

have always really loved shopping. I certainly grew up with the proverbial Champagne tastes on a ‘diet coke’ budget.

Fast forward a few years and I no longer wonder how I will afford that amazing designer piece.

HOW TO MAKE MONEY WATCHING MASTERCHEF

Sales for kitchenware, cookbooks, kitchen electronics and napery experience an exponential increase when MasterChef airs. Find out how to make money by following trends - and watching your favourite TV shows at the same time.

BULK BUYING GROCERIES WILL SAVE YOU A FORTUNE

Did you know that the average person in Australia spends at least $200 on groceries every week? With the cost of living rising, it is no surprise that people are looking for ways to save so they can splurge on the fun things.

LUXE FOR LESS - FABULOUS FINE JEWELLERY FOR UNDER $100

It is no secret I love to shop. One of my favourite categories to shop is jewellery. I never leave the house without at the very least a pair of earrings and more often than not, a ring.

SAVVY INSIDER SECRETS TO KEEPING HUNDREDS OF DOLLARS IN YOUR POCKET

As a passionate shopper, I must admit I love a bargain. With the way Aussie retail is evolving, there is more choice and so many fabulous ways to save money.

HOW TO MAKE MONEY FROM OUR OLD MOBILE PHONES

With the launch of the Apple iPhone 7 we will be tempted to upgrade our phones in the coming months but what do we do with our old phones?
All is not lost. If you have been holding on to a spare handset or two in your home office drawer it is time to spring clean and cash in.

SAVVY TRAVELLER'S SECRET WEAPON: DESTINATION VALUE SWAPPING

With the last chilly blast of winter upon us, it’s more tempting than ever to take a little sunny respite.
And it doesn’t matter whether you are heading overseas, or to one of the fine Aussie getaway destinations, an informed choice will deliver all the luxuries for up to 50% less.

LAST MINUTE THOUGHTFUL GIFTS

I confess! I have been guilty of leaving everything to the very, very last minute.

I have had those Christmas eve shopping frenzies, rushing through shopping centres stressed with credit card in hand.

NOVEMBER FESTIVAL OF BARGAINS

As a self-confessed shopaholic, this year I am in bargain hunting heaven with the number of sales in the lead up to Christmas.
I truly do not think there has ever been so many sales, discounts, cash back offers and events to bag a bargain so close to the Christmas Holiday celebrations.

LAST MINUTE GIFT IDEAS FROM THE COMFORT OF YOUR SOFA

Gifts you can Print to the rescue (or SMS, email, Facebook or Whatsapp).

Benefits

I don't know which to buy

Where do you source these fabulous, in-the-nick-of-time gifts?

Here are my recommendations

Experiences

Red Balloon

No Expiry

eGift Cards

Prezzee

Gift Pay with eCards from $5

Gift Card Store with virtual Mastercards

WHERE IT ALL BEGAN

SARAH HARRIS INTERVIEWS JO

ONE OF THE CAROUSEL'S GAMECHANGERS

When it comes to spotting shopping bargains, no one knows how to get more bang for your buck than our own resident Savvy Shopaholic Jo Munro.

The Carousel readers have been cashing in on the columnist’s every deal-saving word for months, and Jo is also the go-to expert for a slew of national TV and radio shows.

Now, with the launch of her own signature jewellery collection at The Online Jewellery Company [OJCO], Jo’s star is set to shine even brighter, as she reveals to host Sarah Harris in the last instalment of our popular video series Game Changers.

Watch the full interview here

THE SAVVY SHOPAHOLIC

ANNOUNCED

GAME CHANGER

SAVVY FACTSHEETS

Click below to receive our our amazing fact sheets

FACT SHEET

SAVVY SERVICES

USE YOUR SHOPPING SKILLS TO MAKE MONEY ONLINE

If you love to shop, do you know you already have the many of the skills required to setup a successful online business?

Jo developed a formula to polish her shopping skills into sourcing skills and through her trial and error she set up several successful online stores. Why not download a free copy of the first chapter of her book The Savvy Shopaholic and see what all the fuss is about? Just register for our Savvy News above and the free chapter will be emailed to you.

Interested in a special offer for the book and some of Jo's programs?

Click the button now!

CHECK OUT THIS FABULOUS OFFER For a Limited Time Only

MEDIA SAVVY

Fancy seeing your product, brand or expert advice featured on TV, Radio, Print or new Media?

One of the questions Jo gets asked regularly is how she built her brand in the media. Yes you have probably seen her on Channel 9, read her articles or seen her quoted in news.

Well by popular demand, Jo is now showing influencers, businesses, authors and entrepreneurs her step by step program of What she wished she knew before engaging with the Media.

Well, check out her Media Savvy Online program to get an inside view on how to promote your business, book or expertise in the media.

MEDIA SAVVY Learn More

MEET JO

Jo Munro is best known as The Savvy Shopaholic with the tag line 'Shop More, Save More'. She is The Carousel's resident shopping expert and a regular TV presenter on Ch9's Today Show and A Current Affair and a columnist in several magazines.

In Jo's book The Savvy Shopaholic, she shares over 20 years of savvy shopping expertise, business wisdom and channel management with those who want to turn their shopping skills into cash.

Much loved for her luxe for less shopping tips and wide-brimming smile, she's always keen to share her passion for shopping and savvy tips to get the most out of your dollar.

Learn more about JO MUNRO and her programs ...