Homemade Gifts You’ll be Proud to Give This Christmas
Christmas may mean splurging on expensive treat and gifts for our families and loved ones, but you do not need to feel down in case you are hard up on cash for the upcoming holiday season as there are many things you can give your family and friends and you do not even have to break the bank. A dash of creativity and a sprinkle of resourcefulness ought to do the trick!
Buying off the shelves for fancy and colorful gifts can be a little tempting but if you cannot afford to shop till you drop for lovely presents for the important people in your life this Christmas, there is no reason to despair at all. Here are a number of homemade gifts you will be proud to give away this merriest season of all and I am betting this will all make the recipient feel a little more loved and a whole lot special!
Homemade Christmas Cards. Especially if you are thinking of your relatives and folks across the miles, a homemade Christmas card complete with a little message from every member of the family will be sure to warm their hearts this holiday season. I am sure the grandparents will be very touched to receive a hand written Christmas card from their grandchildren, who knows, it might even pave the way for them to spend the next holiday with you!
Home baked Goodies. If you have a knack at preparing oh so yummy baked goodies, they will be perfect Christmas present to giveaway to just about anyone: the little pre schooler’s teachings in school, the nice old lady neighbor, or the friendly street sweeper who makes it a point to greet you a “Good day!” every time he chanced upon you on the road. Baked goodies are essentially special as you have prepared them with utmost care and love, which I am sure the recipient wil absolutely feel!
Homemade Spa Items. You can find loads of recipes and procedures online on how to make your own spa materials at home. Why not make a big batch this time around so you can give the rest to your mom friends, colleagues at work, or relatives, too. Those who are always busy at work and do not have the time to take a break from the grind for a short visit to the spa for a much needed rest and relaxation will highly appreciate the gesture, plus your pocket will even thank you for it as you never have to go over your limited Christmas gift budget for this year.
Knitted Delights. If you love knitting and crocheting, it is also a clever and creative idea to give away your finish products as Christmas gifts to your family or your friends. I am sure your sister will love that pink crocheted pouch, and I am betting grandma will really appreciate the knitted scarf which is in her favorite pastel shade!
Hand drawn Coupons. These simple yet delightful present will be much appreciated by everyone. Let the children draw on their very own coupons and let them give these away to the members of the family, including their aunts, uncles, moms, dads, or the very reliable house help. The kids can draw their favorite characters or whatever pictures they fancy, then let them scribble what these coupons are for. They can probably write “no laundry day,” or “get a relaxing massage” for mom or “get a free carwash,” or “this coupon entitles you to one night of uninterrupted basketball TV viewing” for dad. Let the little ones’ imagination work and let them think of the most appropriate coupons to give to each member of the family. This will be a very wonderful activity for the kids and you only need to spend on crayons, craft papers and colored pens, which are probably readily available at home, anyway.

Christmas gift box and gingerbread cookies on wooden background

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Cheap Christmas Decoration Ideas For 2014

Irish Saturday, November 22nd, 2014
Cheap Christmas Decoration Ideas For 2014
Christmas is considered one of the most special days of the year and it is no doubt everyone’s favorite holidays. The great food, the good company, the gifts and the positive happy atmosphere everywhere is enough for everyone to look forward to the 25th of December. Now that it is barely a month and a few more days before the biggest holiday of the year, I am sure you would love to have a part of the festive vibe inside your living space and dress up your home in time for the merriest season of all.
Now, times may be hard and if you can, you might want to scrimp on the dollars so you can spend it on something far more important, like the little ones’ Christmas gifts, instead of splurging on home decors that can really break your budget. The good news is you do not really need to break the bank to prettify your living rooms for the big day, a knack of creativity and a little dash of resourcefulness, not to mention a little bit of help from Google, will help you do the trick. Possibilities are endless and the batch of new and cheap Christmas trimmings you can create is only limited to the amount of time you can set aside each day to create them. Ask the help of your kiddos to make it not only a fun bonding activity, but a learning exercise, too.
Here are a few cheap Christmas decoration ideas you might want to do at home with the family and make Christmas decorating an annual family tradition, too:
Make Printed Ornaments – All you will need are colorful sheets of paper, a cardboard, printer, glue, and whatever stuff you can use as decorations, like glossy paper, colorful ribbons, buttons and a whole lot more. Print Christmas symbol patterns you can get from the internet on a piece of cardboard. These patterns may range from snowflakes, Christmas balls, ribbons, and Santa Clause shapes.
Give Old Christmas Tree Ornaments A New Look – a very cheap way to have new decors with fresh new look is to give old ornaments an oomph by re-decorating them or re-touching their old looks. Update your old Christmas balls by repainting them with new and glossy paints. You may also want to glue colorful glitters onto old boring balls to make them look more fabulous and festive.
Re-purpose Old Decors Instead Of Throwing Them Away – imagine how much money you can save when you repurpose old out-modeled decoration instead of throwing them away. You can give these otherwise junk a breath of new life with just a little creativity. Re-purpose old and broken Christmas tree by turning them into wreaths you can hang in your front door or to lovely and colorful Christmas trimmings that would be perfect to beautify your stair railings.
Make Decorations Out Of Old Christmas Cards – instead of storing them in boxes gathering dust, you can give your old Christmas cards an interesting new role by turning them into cute and economical Christmas décor. Use a yarn and a couple of wooden clips to create a clothesline of your Christmas cards you can hang on your wall for a lovely Christmas trimming.
Christmas decoration
Christmas decoration
Christmas is considered one of the most special days of the year and it is no doubt everyone’s favorite holidays. The great food, the good company, the gifts and the positive happy atmosphere everywhere is enough for everyone to look forward to the 25th of December. Now that it is barely a month and a few more days before the biggest holiday of the year, I am sure you would love to have a part of the festive vibe inside your living space and dress up your home in time for the merriest season of all.
Now, times may be hard and if you can, you might want to scrimp on the dollars so you can spend it on something far more important, like the little ones’ Christmas gifts, instead of splurging on home decors that can really break your budget. The good news is you do not really need to break the bank to prettify your living rooms for the big day, a knack of creativity and a little dash of resourcefulness, not to mention a little bit of help from Google, will help you do the trick. Possibilities are endless and the batch of new and cheap Christmas trimmings you can create is only limited to the amount of time you can set aside each day to create them. Ask the help of your kiddos to make it not only a fun bonding activity, but a learning exercise, too.
Here are a few cheap Christmas decoration ideas you might want to do at home with the family and make Christmas decorating an annual family tradition, too:
Make Printed Ornaments– All you will need are colorful sheets of paper, a cardboard, printer, glue, and whatever stuff you can use as decorations, like glossy paper, colorful ribbons, buttons and a whole lot more. Print Christmas symbol patterns you can get from the internet on a piece of cardboard. These patterns may range from snowflakes, Christmas balls, ribbons, and Santa Clause shapes.
Give Old Christmas Tree Ornaments A New Look – a very cheap way to have new decors with fresh new look is to give old ornaments an oomph by re-decorating them or re-touching their old looks. Update your old Christmas balls by repainting them with new and glossy paints. You may also want to glue colorful glitters onto old boring balls to make them look more fabulous and festive.
Re-purpose Old Decors Instead Of Throwing Them Away – imagine how much money you can save when you repurpose old out-modeled decoration instead of throwing them away. You can give these otherwise junk a breath of new life with just a little creativity. Re-purpose old and broken Christmas tree by turning them into wreaths you can hang in your front door or to lovely and colorful Christmas trimmings that would be perfect to beautify your stair railings.
Make Decorations Out Of Old Christmas Cards – instead of storing them in boxes gathering dust, you can give your old Christmas cards an interesting new role by turning them into cute and economical Christmas décor. Use a yarn and a couple of wooden clips to create a clothesline of your Christmas cards you can hang on your wall for a lovely Christmas trimming.

Top Black Friday Deals

LettyP Wednesday, November 12th, 2014
TOP BLACK FRIDAY DEALS
One of November’s highlights is the highly anticipated Black Friday. This is the time of the year when people flock and rummage through shopping malls to find their best deals. In two weeks time, the shoppers’ day will arrive but as early as now, sellers are already starting to announce and promote their best and irresistible offerings. This will give shoppers ideas on what and where to buy as they start planning for their much awaited shopping spree.
Surely, there are loads of deals that may be of interest to you: lowest prices, greatest savings, highest discounts and many more. You can find different products with good prices everywhere. And with too many options to choose from, it sounds a bit overwhelming. Here’s a sneak peek of exciting deals you might want to check out before you decide on the best choice.
One of the hottest deals has been announced by Best Buy and it definitely put a smile on every Apple fan’s face.  They are offering big discounts on their Apple products. So be sure to get to your nearest store and grab the iPad air you coveted for the longest time now or that iPad mini you always wanted to give to someone you care about. With the same quality at a lower price, who could resist this gem of a deal?
Numbers of deals on phones, laptops, tablets and other electronic gadgets allow techies to find and select the best device that will suit their tastes and needs. Whether they are looking for style, functionality, or durability, there is something to satisfy their demand. Lenovo, HP, Dell and other top-rated brands have some of the most thrilling deals to look forward to.
Photographers—professionals, amateurs or even beginners—will certainly have a hard time choosing the best bundle from those camera deals available. From instant cameras to digital ones, from DSLR to lens, the offerings are countless. With as low as half the original price, don’t you think it high time to buy your first camera or to upgrade the one you have? You can choose from various renowned brands such as Nikon and Canon.
Don’t fret, you game junkies! A wide array of great deals awaits all of you. Some of gaming essentials are available in the most economic prices such as gaming consoles and controllers. PlayStation, Xbox and Wii U prepared some of the most enticing deals you won’t afford to pass up.
This is also the best time to buy a new appliance for your home or replace the old and dysfunctional one. Mothers and homemakers will absolutely love those endless cost saving deals up for grabs. Refrigerators, dishwashers, dryers, ovens and many more appliances can be bought in practically low prices. TV’s and HDTV’s are also included in some of the most head-turning deals. Don’t forget to visit the home furniture section as they offer some of the highest discounts you could find.
One of the most attractive sales this season is found in the toys department. Christmas is for children, after all. And it wouldn’t be complete without giving gifts to the most-beloved kids. ToysRus offers a myriad of great deals to choose from. From Disney character figures to LeapFrog Educational toys, from Lego to Marvel action figures, ToysRus is every kid’s paradise. Some of the most popular toys for kids include Teenage Mutant Ninja Turtles, Transformers and Hot Wheels, all of which are a nephew’s personal favorites.
The countdown to Black Friday has started. Be sure to have enough information to make the most of it by taking advantage of its best of deals.

Black Friday Shopping Bag

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Black Friday & Cyber Monday Trends and Predictions for this Year
The Holiday season is right around the corner and so are the biggest shopping sales of the year to give room to all those Christmas shopping lists waiting to be completed and stockings waiting to be filled, not to mention holiday incentives and special holidays itching to be spent. If you are planning to get most of your Christmas shopping done, Black Friday and Cyber Monday sure are the perfect time to get the job done.
Trends show that peoples’ spending during Black Friday and Cyber Monday has remarkably increased the previous years, and it is sure to be no different this year. People will most definitely flock out to the malls and shops to hunt for the biggest bargain finds and the items they have included in their shopping list. Cyber Monday will prove to be a very big shopping event and some analysts are even predicting it will be a 2 day event instead of a one day affair.
If you will join the rest of the world hunting for huge discounts and big sale finds on Black Friday and Cyber Monday, you might want to think twice about camping out your favorite fashion shop or the most well known gadget shop in the city. Most shops these days are also putting a number of their Cyber Monday and Black Friday items on sale on their online shops and spending time lining up outside of the store in the wee hours of the night or the morning may seem very pointless if you can avail of the same items online at a touch of a fingertips or through your mobile device while on the go.
Gadgets and laptops, which are some of the most sought after items during these huge season sale, will still be among the most popular this year, as shopping experts suggest. Some items that are predicted to disappear from the display rack as quickly as the shops signals for their Black Friday and Cyber Monday events are laptops, tablets and smartphones. The electronic giants Apple’s iPad 4th Generation 16G Tablet, as well as Samsung’s Galaxy Tab Pro 8.4 Inch 16GB Tablet, are some of the items to watch out for as huge amount would be sliced off from their original prices during the huge sale. Other electronic products that are sure to be great hits this sale season include Apple iPhone 6 and iPhone 6 Plus, Samsung Galaxy S4 16GB Smart Phone, Kindle Fire HD 7 Inch, Intel Core i3 laptops with 14 Inch Display and 4GB RAM. Those who are hunting for game consoles and LED TVs, ought to watch out for huge discounts you will get when you plan to purchase LED 32 Inch 720p LCD HDTV and the Microsoft Xbox One Console. You might also want to grab a couple of Beats by Dre Solo HD, 3 TB external hardrive, as well as a pack of Blu-ray movies which would make for perfect stocking fillers.

Black Friday Sale price tag

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How To Manage Your Family’s Christmas Gift Expectations
Christmas is right around the corner and it is that time of year again when everyone is busy creating Christmas list and making sure to get everything that is listed on the list. Fortunately, Christmas is also the time of bonuses and incentives at work, which only means anyone who set out to surprise the special people in their lives with wonderful gifts come Christmas morning can easily do exactly that. Not most people have a regular, high-paying jobs that can afford to give them bonuses during the Christmas season, though, and it will really be quite disheartening for someone to think that he cannot afford to buy gifts for his children or his loved one on this very special holiday because his pocket will not allow it.
Although one may be hard up on the budget as the most festive of season approaches, no one is ever hard up on the spirit of giving and surprising the special people in his life. The lavish and luxurious gifts may have to wait for another year or two, but one can always surprise a parent, a partner or a friend with something special that is sure to bring a smile on their faces come Christmas day. Even you cannot afford to play the most generous Santa, you can always play Santa, nonetheless.
Here are a few ways on how you can manage your family’s Christmas gift expectations:
If you cannot afford to get everyone a gift, the best way to go about it is to have an exchange gift for everyone to join, that way you can be sure that everyone will get something special on Christmas and you do not have to pay for each of them.
You may be lacking in finances but you can never run out of creative stuff to gift your family with. Personalized gift items will always make every receiver feel a little bit more special and all you will need is a printer and a piece of colored papers. DIY your own personalized mini organizers and memo pads, instead of ordering them somewhere else. For those who are fond of spa treatments, you can always make your own DIY spa gift basket and fill it with lovely yet affordable items like loofah, bedroom slippers, and your very own concoction of bath salt or homemade body scrub.
Although children may always ask for expensive and modern toys, you can always substitute that with arts and crafts kits that will surely pique their interest but comes with a cheaper price tag.

Familie an Heiligabend mit Weihnachtsgeschenken

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Top Halloween Costumes for this Year

brooke Thursday, October 2nd, 2014

Frightening girls

Spirit Halloween which is the top Halloween store in the country has made a prediction of the costumes that will make it to the top for this year’s Halloween celebration. I’m sure you wouldn’t be surprise to know that the frozen sisters lead this pack.

1. Anna & Elsa – Disney frozen characters Anna & Elsa are the top 2 costumes according to Spirit. It means that they are expecting this will be the hottest selling costume for this year’s Halloween. We couldn’t agree more! There is no doubt this costumes will sell so hot whether it be online or in stores. Let your child experience how it is to feel like a disney princess, whether you go for Anna or Elsa.

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Little Moves You can Do to Improve your Financial Situation and Save Money
These days, saving money is a challenge. When you go out, there are many temptations to spend money even on unimportant things. We think these things could buy us happiness only to find that such kind of happiness is only temporary. Then, we only want and crave for more.
The never ending cycle of making and spending money goes on and on in our lives, until we make a decision to stop. When we learn to evaluate our spending habits and our attitude towards money and how the little expenses adds up, we begin to realize that there’s so much more we can do to keep our hard earned money.
1. Do the math – Before spending money on anything, you must know how many hours, days, weeks and months you need to work in order to be able to afford buying it. Let’s say you’re earning $15 per hour and work 5 hours a day. And let’s say you wanna buy an expensive scarf that costs $2,500. Before you let your impulsiveness take you, calculate how many days you would need to work to come up with the $2,500. That means that if you decide to buy it, you would need to work around 33 days. Do you really think its a good idea to spend all your month’s worth of paycheck for that expensive scarf that you think would give you a fashion edge over your friends? Is it all worth it? Doing the math and doing your calculations will help you put things into perspective and help you spend your money only on things you can afford.
2. Watch less television – Now, television can be very time consuming. You sit there and don’t realize that your time is drifting. Before you know it, you have spent 2 hours just sitting there, gazing your eyes on the television show and doing nothing. Watching television is not only unproductive but its also a waste of previous time you can spend doing more important things, or making money. Watching less tv also helps you cut back on electrical bills.
3. Do not buy your gifts – Yes, you heard it! You’ll most likely save more by making your own gifts instead of just buying them from the store. If you are good with arts and crafts and have plenty of time, it is really better to personalize and make your own gifts for your friends and loved ones, especially in important holidays like Christmas. Instead of buying and giving expensive gifts, give less expensive items such as cookies, candles, candies, soaps etc.
4. Sew your own clothes – If you know how to sew, it is certainly a perfect idea to make use of it by making your own clothes. You only have to buy the fabric and you can buy inexpensive ones from the shop then make your own designs. This is a great idea especially if you have small kids. Children’s clothes can be very expensive these days and there’s no better way to save on them but to make your own. If you don’t know how to sew yet, you can attend sewing classes to learn the basics then you can set out on your own. Who knows this even have the possibility of turning into a homebased business?
5. Stop spending huge for the sake of entertaining your kids – Too many parents these days spend so little time with their children and to make up for the guilt spend tons of money entertaining them. This can be in the form of buying them expensive toys, clothing and experiences. You have to stop. This is a surefire way to waste your money as children will never find contentment and satisfaction in things. All they want the most is your time and you need to give them exactly what they want.
6. Never go out to the store without a list of things to buy – In other words, don’t go shopping without a clear idea of what you will be buying. Most people go out window shopping and then just make the decision of what to buy when they are already in the store. This will not help you save on cash. Instead, you’ll end up buying more unnecessary items and paying for more. So, make sure you have a list and most of all, be sure to follow through and stick to that list as much as possible. Never buy something that’s not on the list, unless you have forgotten something which is extremely important.
7. Put things you want to buy in a 30 day waiting list before deciding to buy it – You might have heard of this money saving technique many times but more often than not, very few of you actually do it. This technique is my favorite because it helps me clear my mind and rethink things instead of giving in to my buying impulses. In many instances, you’ll end up not buying these things because you have had enough time to think things through and in most cases, you don’t really need the thing.
8. Pay attention to your health – Most people wake up in the hospital one day without realizing what they’ve done to become ill. But we all know that disease do not just happen in one day, in most instances. They are an accumulation of unhealthy habits that we fail to pay attention to. Most of us, don’t take charge of our health until we are sick. Paying attention to our health is very important. Health is wealth. If you don’t have it, you won’t have the ability to enjoy life and to make more money. So, take care of your health. Medical expenses can affect your budget and financial situation greatly.
9. Buy items in bulk and wait for store sale events – Buying things on sale will really help you save tons of cash. Malls and shops have their regular sale events. This happens on holidays, occassions and instances like Black Friday. Also, buying items in bulk will help you save money. This is great especially if you have a huge family. Buying household items such as cleaning soaps, detergents, shampoos in bulk can give you lots of savings as compared to buying them per piece.
10. Shop online – Shopping online has become tremendously popular over the years for a reason. Shopping online can help you save on gas, because you no longer have to drive to the store to buy your items. Also, many online shopping sites have free shipping service that you can take advantage so you don’t have to pay extra to have your items shipped at your doorsteps.
These days, saving money is a challenge. When you go out, there are many temptations to spend money even on unimportant things. We think these things could buy us happiness only to find that such kind of happiness is only temporary. Then, we only want and crave for more.
The never ending cycle of making and spending money goes on and on in our lives, until we make a decision to stop. When we learn to evaluate our spending habits and our attitude towards money and how the little expenses adds up, we begin to realize that there’s so much more we can do to keep our hard earned money.
1. Do the math – Before spending money on anything, you must know how many hours, days, weeks and months you need to work in order to be able to afford buying it. Let’s say you’re earning $15 per hour and work 5 hours a day. And let’s say you wanna buy an expensive scarf that costs $2,500. Before you let your impulsiveness take you, calculate how many days you would need to work to come up with the $2,500. That means that if you decide to buy it, you would need to work around 33 days. Do you really think its a good idea to spend all your month’s worth of paycheck for that expensive scarf that you think would give you a fashion edge over your friends? Is it all worth it? Doing the math and doing your calculations will help you put things into perspective and help you spend your money only on things you can afford.
2. Watch less television – Now, television can be very time consuming. You sit there and don’t realize that your time is drifting. Before you know it, you have spent 2 hours just sitting there, gazing your eyes on the television show and doing nothing. Watching television is not only unproductive but its also a waste of previous time you can spend doing more important things, or making money. Watching less tv also helps you cut back on electrical bills.
3. Do not buy your gifts – Yes, you heard it! You’ll most likely save more by making your own gifts instead of just buying them from the store. If you are good with arts and crafts and have plenty of time, it is really better to personalize and make your own gifts for your friends and loved ones, especially in important holidays like Christmas. Instead of buying and giving expensive gifts, give less expensive items such as cookies, candles, candies, soaps etc.
4. Sew your own clothes – If you know how to sew, it is certainly a perfect idea to make use of it by making your own clothes. You only have to buy the fabric and you can buy inexpensive ones from the shop then make your own designs. This is a great idea especially if you have small kids. Children’s clothes can be very expensive these days and there’s no better way to save on them but to make your own. If you don’t know how to sew yet, you can attend sewing classes to learn the basics then you can set out on your own. Who knows this even have the possibility of turning into a homebased business?
5. Stop spending huge for the sake of entertaining your kids – Too many parents these days spend so little time with their children and to make up for the guilt spend tons of money entertaining them. This can be in the form of buying them expensive toys, clothing and experiences. You have to stop. This is a surefire way to waste your money as children will never find contentment and satisfaction in things. All they want the most is your time and you need to give them exactly what they want.
6. Never go out to the store without a list of things to buy – In other words, don’t go shopping without a clear idea of what you will be buying. Most people go out window shopping and then just make the decision of what to buy when they are already in the store. This will not help you save on cash. Instead, you’ll end up buying more unnecessary items and paying for more. So, make sure you have a list and most of all, be sure to follow through and stick to that list as much as possible. Never buy something that’s not on the list, unless you have forgotten something which is extremely important.
7. Put things you want to buy in a 30 day waiting list before deciding to buy it – You might have heard of this money saving technique many times but more often than not, very few of you actually do it. This technique is my favorite because it helps me clear my mind and rethink things instead of giving in to my buying impulses. In many instances, you’ll end up not buying these things because you have had enough time to think things through and in most cases, you don’t really need the thing.
8. Pay attention to your health – Most people wake up in the hospital one day without realizing what they’ve done to become ill. But we all know that disease do not just happen in one day, in most instances. They are an accumulation of unhealthy habits that we fail to pay attention to. Most of us, don’t take charge of our health until we are sick. Paying attention to our health is very important. Health is wealth. If you don’t have it, you won’t have the ability to enjoy life and to make more money. So, take care of your health. Medical expenses can affect your budget and financial situation greatly.
9. Buy items in bulk and wait for store sale events – Buying things on sale will really help you save tons of cash. Malls and shops have their regular sale events. This happens on holidays, occassions and instances like Black Friday. Also, buying items in bulk will help you save money. This is great especially if you have a huge family. Buying household items such as cleaning soaps, detergents, shampoos in bulk can give you lots of savings as compared to buying them per piece.
10. Shop online – Shopping online has become tremendously popular over the years for a reason. Shopping online can help you save on gas, because you no longer have to drive to the store to buy your items. Also, many online shopping sites have free shipping service that you can take advantage so you don’t have to pay extra to have your items shipped at your doorsteps.
We’ll give you more tips on a part 2 article of the same topic. So watch out for more money saving tips from us!

Little boy saving money in piggy bankThese days, saving money is a challenge. When you go out, there are many temptations to spend money even on unimportant things. We think these things could buy us happiness only to find that such kind of happiness is only temporary. Then, we only want and crave for more.

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Ways You Are Blowing Your Money Off

amyk Wednesday, August 20th, 2014
Ways You Are Blowing Your Money Off
1. Paying for high interest credit card debt – By January of this year 2014, the American Household Credit card has confirmed that there are already $856.9 billion consumer credit card debt in America. It has become a bad habit for most people to rely on credit card instead of using on-hand cash when making purchases. A great number of people also rely on credit card for emergency situations such as the loss of a job and being unemployed for a certain period of time unexpectedly, medical emergencies or perhaps for college education.
There are times that the use of credit card may be beneficial. When it helps us cover for emergency situations where we have no other resort for example. However, many families have been placed in difficult financial situations all because of the use of credit cards. The interest rates can accumulate and can definitely put you in a financial debt mess if you are not careful. The rule is to always live within your means, which means that you should only buy what you can afford.
2. Through Wasted Food – What you don’t realize is that you are wasting tons of cash by throwing away those unwanted foods in your kitchen. Annually, America is losing billions of dollars in cash through these wasted food. So the next time you are thinking of throwing away food on the table that can still be eaten or utilized in some way, think of it as money which you are actually wasting.
3. Unhealthy Eating Habits – Many Americans love eating junk foods, fast foods such as burgers, spaghetti, fries and soda drinks. Without us knowing it, spending for these items add up. Try to add up the money you spend monthly on coffee alone or on unhealthy junk foods to keep your mouth preoccupied. Not to mention that these foods damage your health eventually and you could potentially end up with serious diseases that require expensive treatments and medicines. Deliberately choosing to eat healthy will involve some attention and time on your part but the long term rewards and benefits will really do you so much. Not only will it allow you to save on medical expenses but it will also allow you to enjoy more years of health and vitality and more time which you can use to generate more cash or improve your status.
4. Speedy Delivery of purchased items – In most cases, we do not really need a speedy delivery servie for the items we purchase but we opt for them just because we can’t be patient enough. We can’t wait for more days to see and get our hands on our purchased items and so we end up paying for higher shipping fees.
5. Designer Clothing and Items for our Children – Many parents want their children to look their best all the time and so they end up buying expensive clothing and items for them to wear. What we don’t realize is that children quickly grow and they outgrow their clothes very quickly. Whether it be a dress, or a shirt or a pair of shoes, these clothings will never really be used for too long by your kids because they are growing creatures. And they grow very fast. So, it is always better to be practical when it comes to this.

money1. Paying for high interest credit card debt - By January of this year 2014, the American Household Credit card has confirmed that there are already $856.9 billion consumer credit card debt in America. It has become a bad habit for most people to rely on credit card instead of using on-hand cash when making purchases. A great number of people also rely on credit card for emergency situations such as the loss of a job and being unemployed for a certain period of time unexpectedly, medical emergencies or perhaps for college education.

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Our 2014 Back to School Tips for Moms

Irish Friday, August 8th, 2014
Our 2014 Back to School Tips for Moms
If you have been heading to our facebook fanpage, you’d notice we posted several back to school tips from blogs we found online. But ofcourse, we also have our very own back to school tips for you guys, especially to all moms out there.
Our goal is to help you prepare for back to school with ease and preparedness to avoid stress and make the experience more fun for you and your kids. Here are our very own tips for moms, students and anyone who is interested to learn how to make the back to school season a happy and less stressful one.
a. Label your child’s school items with their names – putting your child’s name in their belongings is very important to make sure they don’t lose their things in school or even at home. Or if ever they lose it, it’s more likely to get returned to them because of the names on it. This way, you don’t end up buying them the same school item several times throughout the school year. In other words, it helps you save on cash.
b. Use existing supplies that haven’t been used from last year’s school year – chances are, you still have a few school supplies that your kid’s haven’t used from last year. Before heading on to shop for new supplies, be sure to check your storage for any supplies you can still make use of. So you won’t have to buy them anymore. You will be surprised at how much you can save with this.
c. Plan a rewards program to help motivate your children to study better and do better in school – If you have trouble with the academics of your children and you are already doing your best to help them but they seem to be low of motivation, try to set a plan to reward them. Make sure you communicate this plan to them and most importantly, make sure that you follow through. Make a visual pasted somewhere in your house or in their school items that will help them remind of the rewards they will be getting if they do better in school. Check out this post on why a rewards system for kids is important – http://mom.me/parenting/6401-kids-behavior-and-reward-programs/.
d. Take time to visit your child’s school – This is particularly important if your child is enrolled in a new school. But even if he’s not, it helps a lot for you to visit the school prior to the start of the school year. Get to know the teachers, check out the policies, facilities and everything else you wish to be acquainted with.
e. Bring excitement to the upcoming school year by talking positively and enthusiastically about schooling and learning – You’ll notice that if you do this, you won’t have a problem motivating kids to be eager to learn in school. They will pick up your vibrations. So make sure that you don’t make it sound like the upcoming schooling is a bad thing or a sad thing such as an end to their happy no school days. Help them look forward to this day with joy, excitement and happiness. It largely depends on you.
f. Check out our Back to School coupons/promotions in our back to school page – Last but not the least, be sure to head on to our page where we have the different back to school promotions offered by our partner stores. There are plenty of coupons to choose from which will help you save tons of cash as you get ready for the next school year.
http://couponbuzz.com/seasonal/back-to-school

Fotolia 54002107 Subscription Monthly M 289x3001 Our 2014 Back to School Tips for Moms If you have been heading to our facebook fanpage, you’d notice we posted several back to school tips from blogs we found online. But of course, we also have our very own back to school tips for you guys, especially to all moms out there. Our goal is to help you prepare for back to school with ease and preparedness to avoid stress and make the experience more fun for you and your kids. Here are our very own tips for moms, students and anyone who is interested to learn how to make the back to school season a happy and less stressful one.

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Why I Prepare for Christmas Way Too Early than Most People
For children, Christmas is a time of joy, a time of celebration and a time for receiving gifts. But for most of us adults, it can be a season full of madness, stress, anxiety and lots of things to do. This is the reason why I prepare for this season months before it happens. Yes, I make preparations for Chrismas, way too early. As early as the month of August kicks in, my Christmas preparations begin.
Why I do It and Why You Should Too?
I want to enjoy Christmas more. I find in the past, before I did this, that Christmas becomes less enjoyable as it becomes highly stressful and puts me in a frantic pace. Instead of enjoying the moment with family and friends, I become absorb in all the gift preparations, the planning, the buying of presents, decorating and all other errands just to make myself and my family feel the real essence of Christmas. It became really difficult for me to a point that I never wanted to celebrate Christmas anymore.
But as a mom, this is just not an option. I want my kids to experience Christmas and feel the sense of peace and joy and love that comes with it. But at the same time, I wanted to be a role model for them. I wanted them to focus on what truly matters – love and remembering the birth of Christ who died for our sins.
My brilliant husband gave me an idea into this and suggested I make preparations before December. That was when the idea hit me. I don’t need to make all the preparations by December, I can actually do it way advanced before this month.
What was the result and how do I do it?
The result astonished and amazed me up until this day. I start preparing by August by listing all the names of people that I want to give gifts to. I then list things I want to give them. If I can’t come up with anything, i have all the time in the world to find out what the person wants. I have a huge network of friends, families and acquaintance that my list reaches around 100 people, more or less. I even give to coworkers, and that of my husband’s too. That’s the reason why my list is quite long. That is also a huge reason why I needed to prepare for this event, really early!
I buy the gifts and wrappers or make them if I wanted the gift to be a personalized one, I buy christmas cards in advance and write in them in advance, I collect and buy things I would need for the season such as decors, gift wrappers and the like. I use coupons to save on items and rush in to the mall whenever they are on sale. I then put the items in stock in our house and wrap them one by one whenever I have the extra time to do so. I keep all the gifts in a cabinet which is clean and safe so that they are not damaged when December comes and they look like they were just wrapped at that time. I do not put names on the gifts yet before December. Instead, I place a reminder of what’s inside it. This way, I am able to make a switch as to whom I would give them if I feel the need to do so.
I also plan the christmas meals in advance. I read articles online, watch cooking shows and write meal plans so I do not have to worry what to prepare anymore.
As for the decorations, we set them up as early as October. We don’t do them all at once so that we don’t need to put in a huge portion of time into it. We set them every weekend and add something to what’s already set during that time. This becomes a great bonding activity for my family and the good thing is that we get to do it not only once. We get to do it until the end of December and by December, we are all amazed at what we have come up with.
We hold a party at our home every Christmas, and this used to be a huge source of stress for me. But today, not anymore! I prepare all the details of the programs, the foods and the parts of the event as well as all the things needed, way before December. Planning begins in September.
I can say that this strategy really helped me. Planning for Christmas in advance can really help a person. If it helped me a lot, I am pretty sure, it could help you too. The result is amazing! I no longer had that feeling of being overwhelmed. I can feel relaxed and at peace knowing that everything is already prepared. I have more joy and contentment and I can enjoy the season more and become more loving and giving to my loved ones. More importantly, I can be a great role model for my kids so they will be able to see what truly matters in celebrating this season. In addition, I get to save tons of cash because I have plenty of time to plan, buy with discounts, and decide.

Christmas Shopping Reminder on a Wall CalendarFor children, Christmas is a time of joy, a time of celebration and a time for receiving gifts. But for most of us adults, it can be a season full of madness, stress, anxiety and lots of things to do. This is the reason why I prepare for this season months before it happens. Yes, I make preparations for Chrismas, way too early. As early as the month of August kicks in, my Christmas preparations begin.

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