Wishing You All A Happy New Year Ramblings

Thursday, December 31, 2009

How many of  you are going out tonight and celebrating? Perhaps having friends in, or sitting with your honey for a few drinks on the couch, waiting for the New Year to ring in? I'm not too sure what I'll be doing by midnight or if I'll be staying up.We didn't go out.The girls both were going out tonight.

Anyone with  New Year's Resolutions? That's something I don't think I've ever done.

My daughter,Erika, said there was people buying up all the fireworks at the convenience store today,( one of her part time jobs), but it's so cold here in the winter that it doesn't make it enjoyable.We did try it a few years in the past but were so cold. I didn't even get out of the vehicle- just Gerry, my brother and his boys did.More enjoyable for things like that in the summer.

We will be taking down all the Christmas decorations tommorow. How long do you keep your decorations up for?

I would like to wish you all  a very happy New Year, filled with all your dreams and wishes, good health and happiness, from our family to yours!

Winners For Today's Giveaways!

Our winners have been drawn for today's giveaways and the winners have been contacted.
Today's giveaway winners are listed  at the end of each giveaway listing.

Thanks for all your entries!

Draws are Tommorow! Enter Now!

Wednesday, December 30, 2009

You still have time to enter 2 of our giveaways for tommorow:

Good luck!

Winner of Citracal Calcium +

Tuesday, December 29, 2009

Today's winner of the Citracal Calcium + is :

Draw was made by with entry # 1 being chosen.

Thank you to all who entered- and please keep watching for more up and coming product reviews and giveaways!

A Week of Menus

I've put together another great week of menus for everyone...once again- simple but nonetheless, ideas for when you are saying: "What am I gonna make for supper?"


Liver and onions-coleslaw on the side- gravy if you wish


Shepards Pie with a dinner roll, salad of your choice


Hot turkey sandwich-with fries and coleslaw


Veal Cutlet with caesar salad, and a few slices of tomato on the side
 served with mashed potato


Salsibury steak with coleslaw, onion, gravy and shredded fried potatoes


Still Time to Enter

Still time to enter- till noon today CST:

Good luck!

Trimming Down Your Health-Related Expenses

Monday, December 28, 2009

Health care costs are at an all-time high and there seems to be no end in sight. Unhealthy practices lead to unhealthy people seeking more (and more expensive) medical care. And as the general population ages, the costs of health care will continue to spiral upwards. This article will discuss four areas in which you can trim down your health-related expenses: prescription drugs, habits, eating, and exercise.

Prescription Drugs

Since name-brand drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist for generic drugs whenever appropriate. Generic drugs are federally regulated and must maintain the same standards as the name-brand ones, so there is no need to worry about a difference in quality.

Since pharmacies may charge widely different prices for the same medicine, call several. When taking a drug for an extended period of time (such as blood pressure or diabetic medications), consider utilizing mail-order pharmacies, which often charge lower prices and can ship several months' supplies at one time, so you're less likely to run out of a medication.

Don't ask your doctor for medications you don't need (such as widely overused antibiotics). Remember that you are not the one who went through medical training. However, if your doctor refuses a prescription that you feel you really need, seek out a second opinion.


Quit smoking. Do you have a pack-a-day habit? In some states, that's a daily expense of about $5 - or about $1,800 a year. Add that to your savings! Also, by quitting smoking you can apply for lower insurance rates on health, life and disability insurance. Plus you'll be saving yourself smoking-related health expenses down the road.

Quit or cut back on alcohol consumption. Even that occasional drink costs a pretty penny these days. Order a less expensive alternative when eating out or on the town with friends.

Eat Healthy

Cut out or drastically reduce fast food. Most fast food is high in calories and fat and can be expensive when consumed on a regular basis. When eating out, choose healthy alternatives; many restaurants now specially note their healthier items on their menus.

Brown bag your lunch and include plenty of healthy snacks. Often you can eat twice as much if you choose healthier alternatives. No need to go hungry, just pick the right types of low fat foods. Get educated about eating right.

Become a part-time vegetarian. Try to have two or three meatless days a week (avoid even fish, if it's expensive in your area). Or go vegetarian for several meals each day. You will save money and be eating healthier.


Exercise is the inseparable companion to all of the areas discussed above. Exercise does more than just occupy a few minutes of your time. Exercise is linked to lower rates of depression, heart disease, diabetes, and other "plagues" of our modern age. Make sure you clear your exercise program with your doctor before beginning.

Make exercise a regular part of your routine. Exercise for entertainment. A walk in the park or around the block with friends or even by yourself can be an entertaining diversion (and it's free!). Exercise as a family for an extra dose of fun.

You don't need a gym membership to exercise. Find ways to perform the same exercises at home or in the park. A set of dumbbells is much cheaper than a yearly gym fee. The #1 exercise activity of choice is walking. It's cheap and enjoyable.

Remember, you've only got one body! Taking care of it should be a priority for all of us. Take those prescriptions that you do need and not those you don't (under your doctor's advisement, of course). Eliminate unhealthy habits and replace them with new ones. Put good, healthy food into your body; it's cheaper than the low-grade fuel you may have been feeding it! Exercise for your mind and body. A healthy body is a lot less expensive to maintain!


© Simple Joe, Inc.

Chemain Evans is a quality control specialist for Simple Joe, Inc., makers of the popular Simple Joe's Expense Tracker PC software. Expense Tracker is a quick and simple way to keep track of your expenses and stay within your budget.

Today's Ramblings

Well, Gerry's back to work today after having a week off. He didn't do too bad getting up at 6:30 considering we've been getting up at 8:30 all this week while he's been on holidays. I too, got up early- dragging myself out of bed at 7:15. I start my new job on Monday of next week and want to get "prepared".
I recieved a few gift cards for Christmas as well, so will need to go and get myself a few items of clothing to wear.

We were out for a skidoo ride yesterday, although there isn't enough snow on the bush trails yet. The branches and some grass are poking up in spots but many other riders you can tell have been out.We were on the lakes more so.I always hope to spot a wild animal but never do- plenty of tracks though, and one ice shack was already up.

Have been contacting more companies regarding reviews and giveaways, so hope to have more for you in the new year.Please be sure you are entering the ones I have.There aren't lots of entries and your odds are good. Even if you don't personally need the item, you can save it as a gift, or surprise a family member with something you win!

Have a great day everyone!

How To Make Money With A Sewing Machine

Sunday, December 27, 2009

As more and more women are relieved from time consuming

housekeeping chores, thanks to the modern equipment and

appliances that we have, they are finding time to cultivate

other activities. On the other hand, many families have grown

to the point where extra income is needed to make ends meet.

This report is provided as a means of earning some pretty good

money, right from the comfort of the home. Most women have the

skills necessary to make any of these plans work successfully -

using the sewing machine. Look over these plans very carefully;

at least one could be the one that you've been looking for.


Mending Service. Any woman with good sewing ability can earn

substantial money in most communities with this plan. Single

men and women who live alone are good prospective customers for

this service. They usually don't have the time, let alone the

skill, to bring their clothing up to standard, and will welcome

your services.

To reach these people, all you have to do is place a small

classified ad in your local newspaper - something like this:

MENDING, PATCHING, general clothing repairs at very reasonable

rates. Guaranteed, quality work. (phone number here).

Do good work and you will keep busy.. Word of mouth advertising

will bring you lots more business. Your rates should be

established according to the condition of the clothing, and the

amount of work to be done. Set your rates so you can average at

least $7.00 per hour or more. $100.00 per week should be easy

to earn.


Manufacture Curtains and Drapes. This type of specialized

sewing is not too common, and your chance for success using this

plan is outstanding. Your best bet is to offer custom work, at

prices about the same as "stock" curtains and drapes. To

contact prospective customers place a small ad something like


DRAPERIES AND CURTAINS made to order at reasonable prices. Best

Selections of material - all work guaranteed. Free estimates.

(your phone number here)

Contact a wholesale fabric distributor to obtain material

samples. Most will give them to you free; others may charge a

small deposit for them. Because you will be buying the material

from them, most will offer the samples free of charge. Be sure

to select a wide variety of samples, in all price ranges.

Almost all drapery and drapery hardware manufacturers also sell

or give away instruction booklets on how to measure material

needs and hang draperies.

Your earnings will be unlimited. Mildred started offering

custom drapes, and worked about 5 hours each day at the

beginning. Inside of just two years here husband quit his job

to become her installer - and stayed busy. Here policy was to

obtain prices on standard drapes from several stores in the

area, and then offer a better quality in custom drapes at the

same price. It didn't take long for the word to get out, and

she was soon manufacturing all the drapes for several housing

contractors in her area. She now nets as much as $500.00 per



Manufacture Rugs. Any heavy material, such as canvas or burlap,

can be used as a backing for rugs. On this material you simply

draw a pattern that you wish to create, or use transfer patterns

which are available at most supply houses. You then wind your

yarn around a guide and stitch to the material. You will

discover that with a little practice you can complete even the

most delicate pattern on your rugs.

Each finished rug can be an original creation, and you will have

a ready market for them. Your best bet is to offer consignment

to gift shops, furniture stores and perhaps appliance stores in

your area. Offer them a commission of 30% on each sale that

they make. Rugs of this type command a fair market price, and

your mark-up will be excellent. The average small throw rug

should sell for about $12.00, and even allowing a 30% commission

will still give your about a 6 to 1 mark-up.

Also consider selling your crafts at the local flea markets and

swap meets. One gal in San Jose is averaging about $200.00 a

week in sales at the flea market. A lot of her customers are

back time and again - they like the quality. Do good work and

you can enjoy the same type of success.


Letters and Emblems. In many areas it is almost impossible for

schools and sports teams to find letters and emblems for their

uniforms and sweaters. If you are interested in this plan you

should first contact the sporting goods stores in your ares.

Offer to contract with them to provide the letters and emblems

for all the uniforms that they sell. Most stores will be more

than glad to contract with a local source of supply, as they

must nearly always order everything from out of town. Although

this plan is seasonal, once you become established, all future

business will be automatic, and could amount to several thousand

dollars a year.

If your own one of the new "wonder" sewing machines that can do

jobs like this practically automatically, this may be for you!


Custom Sewing for Special Women. Stout and very tall women,

plus super-small women, are considered hard to fit. If you have

dress making abilities, you can build a profitable business very

quickly, with a minimum of effort.

Your first step will be to make a study of the types and

materials that will make dresses and skirts more presentable for

stout, tall and super small women. If you can come up with a

wardrobe plan for each customer that presents good taste and

style, at a reasonable price, you are in! Keep them

well-dressed and happy with your work and word of mouth alone

will give you more business than you dreamed possible.

This is a specialized sewing field, and the demand is already

established. Clothing stores can't handle this type of

business, because the "dress factories" do not set up for

anything except "standard-fit" sizes. You have a wide open


Assembling a good variety of specially sized patterns is

important. If you don't know how to fit properly, visit your

local library and find out about books and manuals that can

teach you. There are many.


Stuffed Toys. Make a visit to any toy outlet in your area and

count the large numbers of stuffed toys - especially around

Christmas time. To manufacture these pretties does not require

any special skills, other than the use of a sewing machine.

You simply cut out and sew together patterns, such as dolls,

pandas, teddy bears, a nd others. Stuff them and you are in

business. You can take orders and sell direct to the stores in

your area, in quantity lots, or offer them on consignment. Also

consider flea markets and swap meets. A good price is paid for

good work, and if you have a little imagination, you can create

YOUR ORIGINALS. Large stuffed toys can sell for a such as

$120.00 - and that's mostly profit - as your cost for materials

will be very small.


Specialty Products. One of the most overlooked items to come

off the sewing machine is the apron. Come up with a dozen

designs and offer them "imprinted" with the personal name of

someone - to order. A few samples left on consignment in stores

will bring home the bacon. Also consider "custom" made towels,

face cloths, pan holders, scarves and you name it. The material

cost is very low, and the time involved is minute. Place a few

samples with gift shops and offer them a 30% commission. The

bucks will be pouring in. Let your imagination run wild with

these products. It could blossom into a full time venture for

you overnight!


Repair & Zipper Service for Dry Cleaners. If you live in a city

and know how to install zippers, make suit repairs, turn collars

and cuffs, etc., your authorized dry cleaners may be in need of

your services. Many of these stores have calls for repairs, but

not often enough to employ a full-time seamstress. Comb the

stores that you could service without too much driving around,

and make up a sensible price schedule. Business cards and order

blanks should be left for them to call you if a pick-up is ready.

In general your skills will be important, but your business will

grow and be profitable because you develop a clientele that

comes back to you because they are satisfied, and you know (or

learn) what you have to change, how to estimate and how to buy

well (to make a reasonable commission on goods.)

Repeat business is always more valuable than new customers. New

customers are harder to find and advertising is more expensive

than "keeping in touch"

Book Review: "Where is God?" by Dr John Townsend

I recently had the opportunity to review the book: " Where is God" by Dr John Townsend.

The book is about people and in their time of troubles and need, turning to God.It talks about people and their life struggles of all sorts of problems and turning to God. Also asking where God is when things go wrong, and why He wasn't there. The book gives bible passages and is easy to understand. It is well written and doesn't use big words - just simple terms to help you tune more into God and to understand that He is always there.This is a great soul searching book.
I found this book interesting, easy to read,understand and it held my attention. As I read more, I wanted to learn more - and realized that Dr Townsend was not only there  to write , but to help people to grow spirtually.
I give this book a thumbs up.

Merry Christmas To All My Readers!

Thursday, December 24, 2009

I  had a quiet Christmas Eve supper with Gerry and the girls. We ate, played Uno and now doing our own things.( Gerry napping on the couch, Ria's gone back home, and Erika is watching a Christmas movie).
Tommorow Ria will be dropping over in the morning, ( she lives at her own place), and we will all open our gifts together.I'm sure it will be be a quiet, relaxing day.
I do at this time want to wish all my readers and all those as well just dropping by, a very nice Chistmas. Merry Christmas Everyone!

33 Basic Smart Shopping Tips

Tuesday, December 22, 2009

Here are thirty-three basic smart shopping tips that can be used anywhere you shop. Use them to save money, and as a guide to strengthen your purchasing power.

1. Plan your spending. Avoid impulse buys.

2. Advertised items are not necessarily the cheapest.

3. Watch for unadvertised specials.

4. Remember to ask for a "raincheck" if an item is sold out.

5. To avoid crowds, do not shop after work, on paydays, or just before holidays.

6. Buy items before you run out of them. Buy at clearance, or sale price, instead of regular price when you must have the item.

7. Know the sales cycle in your area.

8. Just because an item is on sale, doesn't necessarily mean it is a good deal for your family. If you won't use it, don't buy it.

9. Due to volume discounts, larger stores are generally cheaper than smaller ones.

10. Your emotions affect your shopping. Be careful of the "I deserve it" mentality.

11. Buy at the end of the season.

12. Stock up when prices are low.

13. Try alternative shopping: Shop salvage stores, thrift stores, consignment shops, warehouse clubs, yard sales, and garage sales.

14. Remember that no particular store has the lowest price on all items.

15. Create a "shopping pool". Agree with family and friends to shop sales for each other.

16. Shop alone. Other individuals will only help fill your shopping cart.

17. Check the entire store for specials and alternatives.

18. Get to know your favorite store's employees. Don't be afraid to ask questions.

19. Know your prices, keep a price book.

20. About Prices: Compare, Compare, Compare. This is how your price book helps you.

21. Larger is not always cheaper. Smaller is not always cheaper.

22. Look at unit prices.

23. You pay more for fancy packaging. Beware.

24. Remember the "Rule of Three": If an item has three different ways it can be used, you will not be wasting your money.

25. Never pay full price.

26. Shop defensively.

27. Try store and generic brands.

28. Watch as the clerk rings up your purchases. Check your receipt.

29. Shop for gifts year round.

30. Return purchases that do not meet your expectations.

31. Complain if it is genuinely warranted.

32. Call before you go to confirm item is available.

33. If you must, leave the checkbook and credit cards at home or in the car.

Written By: Sandy Shields

Sandy is a freelance writer and webmaster of She enjoys living the frugal life, saving money, and helping others to do the same. Subscribe to her newsletter to receive more money-saving ideas and frugal tips.  Copyright © 1999-2003.

Review and Giveaway! Money Saving, Penny Pinching Books

Monday, December 21, 2009

I recently had the opportunity to review two books from Harper Collins:

Debt Free Forever by Gail Vaz-Oxlade


397 Ways to Save Money by Kerry K. Taylor

As I love to read everything and anything on saving money, I loved both of these.
While Kerri's book is more with tips for saving money, Gail's is alot more on having the debt already and getting out of a life of debt.

Both books are equally good reading, and are for sale at many locations, as mentioned on the Harper Collins web site.

Some great holiday ideas can be found here:

Harper Collins is offering one lucky reader, their choice of one of the above books of their choice.
A random draw will be made from on December 31 at noon CST from all entries recieved up until that time.
Contest open to Canadian residents only.

For entry, please comment on what types of books are your favorites to read- and leave your email address as well, so I can contact you if you win.

Extra Entries:( all entries to be done separate in the comment section.)

- Grab the grab button on my site
- Follow as a friend in Google
-Sign up for email mailings
-Purchase an ebook or paperback from my site

Good luck!

Review and Giveaway! A Tribute Book: " A Different Kind of Hero"

I recently had the opportunity to review  " A Different Kind of Hero"


COLLEEN GEDRICH, illustrator

This book was wonderfully written by a 4th grader after her studies about the rain forest, truly touched and inspired her. I could tell by reading this book that she really felt for the animals that were being driven out of their homes by the men with their bulldozers and equipment.
The illustrations are great and the book's writer could really touch that on the level of another child.

More on the book:

Rainforest Rally

The rainforest is under attack.

One monkey is determined to save it.

His name is Tomagochi.

He’s brown.

He’s small.

He’s plain.

But when a group of men enters the rainforest armed with bulldozers and axes, Tomagochi the monkey springs into action to defend his natural habitat.

While larger animals like Peshe the tiger run and hide, Tomagochi charges into battle.

Will he be victorious?

Will the rainforest be saved?

Join Tomagochi as he fights to protect his home and discovers just how special he truly is.

Tribute Books carries this book as well as many others.They are offering one lucky reader one of the books :
" A Different Kind of Hero" as well for their children to enjoy.

A random draw will be made on December 31st by from all entries recived up until noon CST on that day. Winner will be contacted shortly there after by email.
Canada and USA may enter.

To enter: Please visit Tribute Books and post in your comment the book that would most likely appeal to you if you were making a book purchase, along with your email address.

Additional Entries:( please post each separate):

- Grab the button from my site and add to your site
-Sign up for email updates
-Join as a Google follower
-List the contest on your site with a link back to mine.
-Purchase the Stretching the One Income Dollar ebook or print copy

Bookmark This Web Site

Sunday, December 20, 2009

We add content almost every day- please send this link to your friends and family and/ or bookmark this web site. Please help spread the word- grab our grab button on site- help others save money too!

10 Ways To Save $50 Per Month

1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month

2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month

3. Bring your lunch to work once a week instead of eating out. Savings: $7 x 4 weeks = $28 per month

4. Don’t go to the coffee shop on the weekends. Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month

5. If you carry a balance on your credit card, and you’re only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health. Savings: $10 - $100 per month (or more!)

6. Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn’t mean curbing the fun. Savings: $25+ per month

7. Spend a day cooking meals that can be frozen for later use for your family. Once a Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month’s worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food. Savings: $50+ per month

8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as or Even a better idea, how about selling the books you have that you don’t need! Savings: $5 - 15 per month

9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, Savings: $5 - 15 per month

10. Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your “junk mail.” If you are a group of four or more people, consider buying dining certificates at, After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar! Savings: $5- $50 per month

This is an excerpt from ONE PAYCHECK AT A TIME,, by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet.

Like To Write? 71 Ways For A Writer To Make Money


1. Copywriting for television commercials

2. Copywriting for radio commercials

3. Copywriting for newspaper and magazine ads

4. Professional letter writing

5. Creating plots for other writers

6. Writing correspondence courses

7. Travelling writer

8. Newspaper feature writing

9. Writing for weekly tabloids

10. Writing humour

11. Writing greeting cards

12. Writing witty sayings for bumper stickers

13. Writing fillers for newspapers and magazines

14. Ghost writing

15. Script writing for movies

16. Scrip writing for television

17. Writing plays

18. Resume service

19. Writing non-fiction


20. Daily newspapers

21. Professional journals

22. Consumer magazines

23. Confessional magazines

24. Poetry magazines

25. Fiction magazines

26. Farming-dairy-poultry- livestock journals

27. Technical journals

28. Manufacturers' trade journals

29. Retail trade journals

30. Sports magazines

31. Teenagers' magazines

32. Children's magazines

33. Gag magazines


34. Crafts

35. Art

36. Celebrities

37. Street interviews

38. Travelling

39. 25, 50, 100 years ago today

40. Local street names

41. Gossip column

42. Personal problems

43. Gardening

44. Cooking

45. New products

46. Child care

47. For teenagers

48. Children's question-and -answer

49. With humour and jokes

50. Sport

51. Pets

52. Shopping

53. Cars

54. Hunting and fishing

55. Do-it-yourself


56. A newsletter

57. Sportsmen's bulletin

58. Bulletin for the handicapped

59. Apartment bulletin

60. Club bulletin

61. A tourist guide

62. Restaurant guide

63. A home-business guide

64. Part-time and free-lance help directory

65. Teachers' yearbook

66. Small newspaper

67. Magazine


68. Proof reading

69. Free-lance editing

70. Become an author's agent

71. Teaching English

Giveaway Winners- Pingo Phone Cards

3 Winners were drawn today for the Pingo phone cards that were being given away by

I am still needing to reach OJ and Ham -I did not have your email with entry.

Please email me by the end of this week to claim your prize. Null and void after this time.

Review- Cheap Cookie Cutters

Saturday, December 19, 2009

I recently was given the opportunity to review cookie cutters from " Cheap Cookie Cutters"
Thank you to: Karrie Pettit & Chris Mueller

What I liked about these cookie cutters was they were a nice cookie size as well as the tin that they were made from was a quality tin too. And wow they have a wide variety of cookie cutters too.
They make tons of cookie cutters and even will customize for you. An A-Z catalog of their cookie cutters can be viewed at, and they can be reached by email at:
Check out some cool  cutters:
Star Wars cookie cutters

Mickey Mouse cookie cutters

A New Week of Menus

Bringing you all another week of menus in case your thinking: "what can I fix for supper this week?"

Monday: Italian sausage meat or sausages fried with cooked potatoes and onions

Tuesday:Chicken breasts with gravy, mashed potatoes and steamed broccoli

Wednesday: Pizza- your own or frozen

Thursday: Lasagna, with bread sticks and a salad

Friday : Chicken kiev, broccoli and mashed potatoes

Save Money with Low Season Discount Cruises

Friday, December 18, 2009

These days, everyone is trying to live better for less. Most vacationers are searching for cheaper trips, better deals on hotels, and less expensive dining. One of the best ways to save money on your vacation is to book low season discount cruises. In addition to saving money, low season cruises often mean smaller crowds, which can make for a more relaxed vacation.

The discount on low season cruises is significant. If you book early, you may find even greater discounts, especially if you are going as a part of a group. However, saving money on low season cruises may take a little research. Remember that the low season changes depending on where you are traveling.

Low Season Alaska Cruises

If you are planning a trip to Alaska, you can save money by booking your trip during the months of May or September. If you are booking early, shoot for May. Denali Park, one of Alaska’s premiere natural attractions, often closes in September because of snow. Although this is a great time to get the best deal on cruises in Alaska, keep in mind that you’re taking a chance with the weather. In poor conditions, it’s not uncommon for helicopter tours and other excursions to be canceled. It’s important to remain flexible and open to weather related changes.

Low Season Caribbean Cruises

The Caribbean is a popular tropical tourist attraction. But its lengthy low season makes it easy to find discount cruises at several times throughout the year. To save money on a Caribbean cruise, book from late April to May, or from September to January, (excluding holiday weeks). Booking your trip during these low seasons can often save you hundreds of dollars per person. But again, the weather poses a risk. If you are booking early, aim for late April to May — the hurricane season is from June to November. This long low season allows for plenty of opportunities to save money on amazing tropical trips.

Low Season Hawaii Cruises

Since the weather is consistently nice, planning a low season Hawaii cruise can be a little more difficult. Most travel experts say that Hawaii’s low season is in the later part of August and November, and the months of February and May. But the low season is hard to pin down, and may fluctuate slightly from year to year. So it can be very helpful to do some research. Call around to the major cruise lines and do a price comparison. Weather is not as big of an issue here, so you won’t have to compromise ideal tropical temperatures to save money.

Low Season Northern Europe Cruises

If Northern Europe is more your style, then consider a trip in September. Since this is a popular cruise destination, the low season revolves less around the weather and more around school schedules. Most children are in school in September, so if you don’t have kids, or if your children are able to miss a little classroom time, you can enjoy smaller crowds and save money in the low season.

Low Season Mediterranean Cruises

For some cruise lovers, the Mediterranean is the place to be. The low season changes depending on which part of the Mediterranean you’re visiting. The winter months are the best time to visit the Southern Mediterranean. And many cruise lines offer great deals and promotions for this destination, so you can save a lot of money. When planning a cruise for the Eastern and Western Mediterranean areas, shoot for March, April, and September through November. These are often very affordable cruises. The weather is rarely an issue, and many cruises offer great discounts during this low season.

If you are looking to save money on your next vacation, then a low season cruise is the best way to go. You won’t have to compete with a crowded mob of fellow travelers to enjoy the ship’s amenities, or to explore the ports of call.

While it’s easy to find low season discount cruises for popular destinations, you may have to do a bit more research and footwork to get deals on cruises that are off the beaten path. But rest assured that the money you’ll save with low season discounts will be well worth your effort.

Keep in mind the best thing you can do to ensure that you save the most money on your low season cruise is to plan ahead and book in advance. Planning head will help you find great low season discounts, and early bird deals with many cruise lines. Saving money on low season discount cruises is the perfect way to be a savvy vacation consumer.

Brian Jenkins is a freelance writer who writes about vacationing, often discussing a specific kind trip such as discount cruises.

A Few Things

Thursday, December 17, 2009

Hi everyone! Just wanted to remind you about a few of the giveaways I currently have running:
-phone cards
-calcium tablets
Both have few entries-and you are at good odds .

Also, please vote for my Downy scent- you can go to the near bottom of the page and click on the Downy vote for me button. I believe you can enter once per day for a few more days anyhow.

Thank you-

10 Best Ways You Can Hide Your Valuables

Wednesday, December 16, 2009

Hiding your life's treasures under your pillow or mattress won't

safeguard them from a thief. However, this doesn't mean that a

safety deposit box at your bank is the only place for them.

In fact, the traditional approach of keeping one's valuables in

the home is an excellent idea, provided they are hidden in

really secret places.

The ten following ideas of where to locate a secret compartment

will offer maximum security. The first five, because they do

require some construction to the house, are better for people

who own their own homes. The second five ideas can be

effectively used by apartment dwellers or renters.


- because walls are hollow, there can be hidden space behind

every wall in every room.

- the ideal spots are behind solid, fixed items, like coat racks,

or boards along closet walls supporting the clothes hanging pole.

- remove the attachment and hollow out a compartment.

- make sure you camouflage your handiwork well.


- ceiling and wall beams are popular architectural features in


- make one of the false beams (one which doesn't offer much

support) moveable, and hollow an opening out of its top or back



- one of the easiest-to-construct compartments is one behind a

baseboard. These strips of wood that run along your walls next

to the floor are so common, no thief would give them a second


- choose a short section of board, and carefully pry it away

from the wall with a crowbar.

- now hollow out a hole, and replace the baseboard.


- wall paneling offers a method of opening large areas of dead


- your best choice is behind actual boards nailed to the wall

individually, not behind the four-by-eight sheets.


- for a compartment offering little depth, but a large area of

space, you can construct a hollow right behind a full-length

mirror on your closet door.

- hollow out your compartment, then mount your mirror with

sliding tabs.


- complicated secret spaces built into furniture have for

centuries been favorites.

- a simple approach is to remove the molding of a table or desk,

and make a hollow.


- a common source of easily overlooked space is found at the base

of a bookcase. The lowest shelf is usually raised above the

ground level several inches, and this space is enclosed with a


- if you can make the lowest shelf removable, you can attach your

valuables to the underside of this shelf by means of magnets.


- an easy and highly deceptive secret space can be constructed

behind an electric outlet plate or light switch plate.

- make sure the electricity is shut off when you remove the plate

to construct your hollow.


- secret compartments can be constructed in the base of your

plant pots: this will be especially effective if you have lots

of plants.

- seal your valuables well in plastic if they can be water-damaged.


- finally, don't overlook the oldest hiding technique in history,

of burying your valuables underground.

- make sure you have an accurate map of where your treasure is


For maximum security in hiding your valuables in your own home,

make sure your craftsmanship is flawless. And don't reveal your

hiding place to anyone out of your own family.

Today's Ramblings

I've been juggling a few things lately- studying and assignments for my course I am taking by correspondance- putting in at least 2 hours a day .

The regular day to day keeps me busy too as does  the blog, reviews, etc.I have a few reviews to do, books to read, add to that the Christmas rush, and yeah, I'm busy. But it really does beat being bored! LOL
I feel lately too that I haven't been as thrifty as I can be and I guess it just may come with the holiday season. After all, we are all spending on gift giving to some extend beyond what we normally spend.
At Gerry's office they have gift exchange, they bring food one day of the week, and they fill 13 stockings with small items.

Erika is in grade 12 this year so there's no teacher gifts to buy for.

We have been donating too- food banks, Christmas kettles, clothing for the needy, animal shelter items, so it all ads up, but we are still trying to keep it in balance. It is also the season of being generous and giving to those with less than ourselves.

I realize that this time of the year it's not as easy to pinch pennies but we're not going crazy with the gift giving either.

How's your spending going for the holidays? Do you feel like your keeping it under control or do you feel like you need more tightening at the reins?

I'm surprized there has been so many people out and about and running around with all this cold weather we have been having. We had a few days this past week that with the wind chill were at least wasn't pleasant. But it didn't stop people from shopping! first in Canada: PLUS Enter Their Great Contest!

Toronto - is a peer-to-peer online market for discounted gift cards. It serves two types of people: Savvy shoppers who are looking to save money before heading to the malls, 10-40% off face value; and gift card holders who would prefer to have cash. With registrants doubling monthly, CardSwap launches this holiday season by providing trusted third-party services to this unserved niche of consumers. It’s like an eBay exclusively for gift cards, but better, as CardSwap provides a guarantee on the funds and value in the card.

It is estimated that as much as 10-19% of gift cards are never redeemed, probably forgotten or lost. In a $6 billion dollar Canadian industry, this is a huge problem.

CardSwap is now giving consumers holding these unwanted gift cards a choice. Simply: Register, post the gift card up for sale (which is verified before listed) then sit back. The seller will receive an email notification when the card is sold. Sellers have full control over the price of the gift cards and are charged 6% (minimum $4.50) of the sale price.

In the current economic climate consumers are looking for ways to stick to a budget with minimal change to their current lifestyle. Not only can consumers receive a 10-40% discount they can be sure that all the gift cards posted are valid, secure and can be purchased quickly and conveniently.

CardSwap Certified Guarantee includes the following:

1. Validation: validates all gift cards before putting them on the site through the retailers website, 1-800 number, or direct store location number. You will never buy a gift card that does not work, or has inaccurate amount on

2. INTERAC Only: uses a no credit policy to ensure that we and are users cannot become the victims of credit card fraud. Through INTERAC are users are redirected to complete transactions at their own secure financial institutions, which is similar to making an online bill payment.

3. Refund Policy: Because our verification methods are stringent and transaction processes secure we can offer full refunds to unsatisfied buyers.

In addition to these securities, has implemented a Wish List. Users may create a Wish List of favourite retailers and are notified when gift cards from these retailers become available, allowing them to reap the savings from their regularly shopped stores without ever having to search the site.

CardSwap has already attracted thousands of registered users who have enthusiastically embraced this new online site. This Toronto based company, is the first in Canada but has already been proven by the several successful sites in the US. In this era of free information, consumers are able to connect using easy to navigate technology for very specific reasons, such as e-commerce sites like CardSwap.

Visit to enter one of our monthly giveaway -“Canada’s #1 site for discounted gift cards”

Contact Information: Frances Ho, Founder: (416) 491-2233, is in the news

Take a look at who else has talked about us:

CBC- The National, November 26, 2009:

Now Magazine, November 28, 2009:

Tech Vibes "Canada's First for Discounted Gift Cards", December 3, 2009:

Chronicle Herald "Site allows sale of unwanted gift cards", November 20, 2009:

City TV, November 20, 2009:

CBC- Radio Canada, December 10, 2009
**** This is a paid advertisement by

Review and Giveaway! Citracal Calcium +

Tuesday, December 15, 2009

I had the opportunity to try Citracal's Calcium Plus Heart Health- which also helps to support bone and heart health. I am lactose intolerant and don't have many dairy products, nor do I eat calcium rich foods, so I need something.This is a great product as it is gentle on my stomache and has so many great benefits.

-Contains over 1,260 mg of calcium per dose-great for bone strength
-Contains Vitamin D-to provide the calcium absoption
-Contains Phytosterols-to support heart health and to reduce your risk of heart disease by lowering your cholestrol.

Citracal is a product of Bayer Healthcare, and are graciously offering one lucky reader a bottle of this great product.
To enter the giveaway, which will be made by Random. org  generator on December 29, at noon CST, please visit Citracal and let me know why this product would be a plus for you.
Enter with your email address as well.

Extra Entries: Please enter separate entries:

-Grab My Button
-Sign up by email-
-Become a Google Friend

Good luck to all!

Interested in Taking a Correspondance Course?

I recieved my correspondance materials in yesterday's mail to start my course on Child Psychology. It's very interesting, but hard at the same time.I suppose it does all matter what you can absorb.It's nice to be able to work my own pace though- fast or slow, and submit my answers to assignments online.
One of the advantages of home study is that you are allowed to progress at your own pace. You may take up to two years to complete a course and depending on how many hours per week you can devote to your studies, you may finish your program in less than a year.

I am hoping to get through as much of it as I can before actually starting my job on the 4th of January.

I am taking this course with Stratford Institute, that offers dozens of courses in both Canada and the US.

If you are interested in taking one of their many courses listed, and would like more info sent by mail,please drop me an email with your name, address and course of interest and I will pass it along to them.They also require your age.Information by mail is free.

Adult & Continuing Education Programs

English as a Second Language

French as a Second Language

High School Diploma

Art & Design Programs


Desktop Publishing and Design

Fashion Merchandising and Design

Florist and Flower Design

Interior Decorating and Design


Business Programs



Business Management

Hotel and Restaurant Management

Small Business Management

Travel and Tourism

Computer & Information Technology Programs

Computer Programming in C++

Internet Specialist

Personal Computer Repair & Maintenance

Personal Computer Specialist

Health & Social Development Programs

Child Day Care Management

Child Psychology

Early Childhood Education

Fitness and Nutrition

Medical Billing Specialist (USA only)

Medical Office Assistant

Medical Transcriptionist

Natural Health Consultant

Nursing Assistant (USA only)

Pharmacist's Assistant

Physical Therapy Aide

Psychology/Social Work

Sex and Drug Counselling

Teacher's Aid

Veterinary Assistant

Professional Programs


Legal Assistant/Paralegal

Security and Police Sciences

Wildlife and Ecology Management

Specialized Programs


Conservation/Environmental Sciences

Cooking and Catering

Cosmetology and Esthetics

Creative Writing

Funeral Service Education

Gardening and Landscaping

Home Inspection

Private Investigator

Real Estate Appraisal

Relaxation Therapist

Sewing and Dressmaking

Writing Stories for Children

Technical and Trades Programs

Auto Mechanics


Locksmith Training

Small Engine Repair

A New Week of Menus

Saturday, December 12, 2009

Bringing you another week of menus:
I'd like to hear your comments if you like these menus- as I can continue posting if you do.
When food items are mentioned in the posts- buy whatever is the best deal at the time- fresh, frozen,  on sale , etc..

Monday: Salmon,( fresh, frozen)
                Tossed salad
                cucumbers with vinegar, salt and a bit of chopped onion
                Yukon Gold potatoes,( frozen)

Tuesday: Meatloaf
                Potatoes, ( mashed, scalloped, baked, etc.)
                corn, ( niblets or on the cob)

Wednesday:  Lasagne with a caesar salad

Thursday: Sloppy Joes with or without a side salad

Friday: Went out for supper: $20 for the 3 of us


Chloe - Enjoying A Great Deal I Got

It's nice when you get something on clearance that you normally wouldn't buy and an even bigger bonus when you have a coupon for it as well!
Had picked up a Busy Bone Ultimate Chew for Chloe : regular $5.97- on clearance for 50% off and I had a $2.00 coupon- so got it for .90! Great deal as I would never spend that regular price.

99 Ways For A Photographer To Make Money

Thursday, December 10, 2009


1. Photograph vocational school graduates

2. Wedding photographer

3. Photograph large parties

4. Photograph at banquets

5. Prom and graduation photos

6. Photograph fashion shows

7. Photograph trade shows

8. Wedding movies

9. Photograph new stores' grand openings

10. Photograph local performances

11. Commencement day photographs


12. Take pictures of people mounted on a horse

13. Make polaroid pictures of seamen going abroad

14. Take pictures of people wearing special costumes

15. Photograph people on a fancy motorcycle

16. Take pictures of people in nightclubs

17. Take pictures on the beach

18. Antique photo shop - produce 1890's type portraits for the

"nostalgic crazy"

19. Take I.D. photos

20. Take passport photos

21. Specialize in legal photography

22. Produce community yearbooks

23. Produce company year books

24. Produce composites for models, actors and actresses

25. Photo fund raising

26. Take slow-motion sports film for athletes

27. Take executive portraits

28. Photograph children on a pony

29. Take portraits of children in department stores or malls

30. A day in a child's life - an album of 30 pictures

31. School photography

32. Santa Claus portraits

33. Travelling industrial photographer

34. Ilustrate manufacturers' sales manuals and catalogs

35. Ilustrate manufactuers' sales manuals and catalogs

36. Public relation photos for business

37. Photograph store fronts

38. Produce progress photos on construction sites

39. Real estate photography

40. Produce illustrated promotional brochures for business

firms, hotels, etc.

41. Interior decorator's photographer

42. Photograph in-store merchandise displays


43. Foreign fashion photography for textile and fashion


44. Photograph tourists in famous places

45. Summer camp photographer

46. Roving festival photographer

47. Sell scenic prints to gift shops and hotels

48. Offer personalized vacation photo packages to resort clients

49. Sell slide shows of interesting places or subjects

50. Build a mobile portrait studio in a trailer or van

51. Be a slide-show lecturer on different subjects and

geographic locations


52. Candid keychain photos

53. Photo stamps

54. Color postcards for hotels or resorts

55. Exceptional color scenes for calendar printers

56. Personalized Christmas cards - with family portraits or

photos of family home

57. Photo buttons

58. Photographs on coffee mugs

59. Photographs on shirts

60. Imprint a photograph of a child on the face of her doll

61. Photo sculptures

62. Bookends adorned with any desired photographic subject

63. Decorative photo plaques

64. Personalized photo matchbooks

65. Instant personal postcards by gluing polaroid shots to blank


66. Stationery imprinted with personal portraits

67. Custom calendars


68. A microfilming service

69. Photo duplicating service

70. Slide duplicating service

71. Restoring old photos

72. Producing filmstrips

73. Duplicating negatives to sell

74. Slide-titling service

75. Making offset negatives and plates

76. Collecting old photos to make into books

77. Making photomurals

78. Retouching service

79. Custom photo lab

80. Blowing up photos, on the spot

81. Photo oil portraits

82. Selling prints to photo agencies

83. Camera rental

84. Camera exchange

85. Repairing cameras

86. Teaching photography


87. Making postcards

88. Publicity photography

89. Photographic essays for various publications

90. T.V. news freelancing

91. Selling news photos

92. Taking and selling peculiar photos

93. Selling local photos for travel magazines

94. Aerial photography

95. Documentary film making

96. Photos of human interest

97. Composing photo guides for tourists

98. Photographing accidents for lawyers and insurance companies

99. Photographing parades

I Got the Job!

Just wanted to let you all know that I got the job I had applied for- and for now it is a 6 month term, full time.It will be a big change for me-I've never worked full-time and have been off work for  year. I will be busy with the courses that the job will have me doing as well as the ones I will be taking, but I will still post as often as I can.
I start January 4th- working 8:30 am - 5 pm -Monday- Friday.

I still will keep my thrifty mindset- a job should not change that.

Giveaway! Win 1 of 10 Pingo Phone Cards

Wednesday, December 9, 2009

Pingo is graciously offering you the chance to win 1 of 10 phone cards worth up to 4 and half hours of International calls.

Pingo is a virtual phone service of iBasis a publicly traded leading telecom carrier that delivers over 20 billion minutes a year of International voice calls. Major phone companies such as AT&T and Verizon have relied on our high quality and low price advantages of the iBasis network since 1997.

Pingo is a service you can trust to deliver 100% satisfaction with our call quality guarantee. Plus you can save up to 90% on International mobile calls with Pingo EZ Dial for direct phone book dialing. Or try Pingo Soft Phone for web based dials from over 200 countries for just 1.8 cents a minute.

Go global with Pingo Business or Family plan and control spending with easy online account management.

**** To enter this giveaway, which is good in Canada and the US, please post a comment" on what advantage Pingo would be to you."
For extra entries :
-grab my button
-sign up by email to my posts
-join as a Google friend
Please be sure to do all entries seperate, and list your email so I can contact you when you win!
Random. org will make the draw for 10 winners on  December 20th, 2009, at noon CST and will be posted on this site.

Save Money Without Feeling Deprived

Save Money Without Feeling Deprived

Posted using ShareThis

Wasting Time on the Internet Pays Off

Wasting Time on the Internet Pays Off

Posted using ShareThis

Can You Please Take a Moment and Vote?

Downy is running a contest called "Design Your Own Scent."

Unfortunately, I'm a little late getting into the game with my scent Peppermint Awakening, as the contest started in August, however, I'd still like to give it a shot.You know the story of the tortise and the hare.  Deadline for votes is December 27th .

( There is a Downy ad at the bottom of the blog where you can click on and vote.)

Thank you for voting!


Tuesday, December 8, 2009

For those that are following me with regards to my J-O-B interview...I had the interview today and will know tommorow whether I get the job or not.

Avoid Traffic Tickets=Saving Money

If you don't have alot of money to begin with, you certainly don't need to get yourself a traffic ticket:

Make every effort to know and comply with basic traffic laws.

Get a copy of the driver's license manual from your state

licensing authority and review its contents.

Don't attract attention to your vehicle by having loud

exhaust, windows tinted too dark, etc. Anything that causes a

police officer to look at your vehicle will make it more likely he

will notice expired tags or inspection sticker, or other


If your state has a mandatory seatbelt law; wear your

seatbelt. If you forget to put it on, don't wait until you see a

police officer to remember to put it on. This will only cause the

officer to notice you when he might not have otherwise. The fact

that you just put it on may not be enough to avoid a citation. If

he spots you without it on or sees you putting it on, you can be

cited. You might only get a warning for having put it on, but

this is a gamble. If the officer is working a special seatbelt

detail you can count on a ticket. DON'T CALL ATTENTION TO


Keep your vehicle in good condition, and all equipment such

as brakes, lights, etc. in working order. Burned out headlights

or tail lights just can't be missed at night. emember; once the

officer has you stopped he can find other things to talk to you

about like the driver's license you left at home, or the insurance

card you can't find, etc.

Make a complete stop at stop signs. Your state may require

you to stop at a line or at a point, before entering the

intersection, where you can clearly see traffic. Either way, you

must stop. Make sure the intersection is clear before starting

out. Accidents at intersections with stop signs are "bought and

paid for" by the driver having the stop sign. This is true even

if you stop.

Be prepared to stop at yield signs if necessary. Unless you

can clearly see traffic, and know no vehicles are coming, treat

the yield sign like a stop sign.

Do not drive faster than the flow of traffic unless that flow

is below the speed limit. Passing other vehicles always draws

attention. It may appear momentarily that you are speeding, even

if you aren't. The police officer may quickly realize that you're

not speeding just about the same time he notices you're not

wearing your seatbelt, your inspection sticker has expired, etc.,

etc., etc. By now you should be getting the idea: DON'T CALL


If you are stopped for a traffic violation, try to prevent or

at least minimize the damage. An officer may be assigned to a

certain location to watch for a certain violation due to numerous

accidents at that location. If you commit the violation in

question at that location your chances of getting out of a ticket

are slim. A short argument of the facts is okay, but don't get

carried away. This is especially true if have other deficiencies

you don't want noticed. Consider this: if you've committed a

violation, the officer is supposed to write you a ticket.

Depending on the circumstances, however, you may get a verbal or

written warning. If you jump out of the car with verbal abuse,

you will always get a ticket.

Don't rely too much on your radar detector. If you're the

only car on the road for a long stretch, or you're the first car

in a convoy of vehicles, you're going to be the target vehicle for

the radar unit over the next hill. The officer is not going to

let the "cat" out of the bag and leave the radar on continuously

for you to "detect". He'll have it in the "stand-by" mode. It's

warmed up, calibrated, and ready to go, but it's not emitting a

signal. He won't activate it till you come over the hill. Your

radar detector will beep at the same time the radar automatically

locks your speed on the digital display. Anyone within a mile or

so behind you with a detector will be warned, but not you!

Sometimes officers will leave the unit on and transmitting, knowing

that there are plenty of non-detector equipped speeders to be

caught, but don't count on this.


1. Don't get noticed!

2. Watch your speed!

3. Make complete stops at stop signs.

4. Keep lights in good repair.

5. Carry all required documents: Driver's license, title,

registration, insurance.

6. Don't have loud mufflers.

7. Don't have windows tinted too dark.

8. Don't carry oversized loads.

9. Don't overload vehicle with passengers, especially the

front seat.

10. Don't throw things from the vehicle.

11. Don't give the officer a hard time for doing his job.

12. If you think you been "locked-on" by radar, slow down. It

may not help, but it won't hurt either.

13. Police officers can spot expired inspection stickers, license

plates, and other deficiencies from a great distance!

Living in California with $30,000

Monday, December 7, 2009

My friend Natalie from The Bobby Pin, wanted to share her story of living in California for less than most would think is possible.
Natalie explains in her post : Living in California with $30,000 IS  possible by making a few changes in your lifestyle.
Also check out Natalie's post on Cheapskate or Frugalista

Free Stuff, Contests, Product Trials, Gift Rewards ... for Canada + USA

Free Stuff, Contests, Product Trials, Gift Rewards ... for Canada + USA

Another Week of Menus

Sunday, December 6, 2009

Another week of menus for those thinking : "what  can I  cook for supper this week", (please keep in mind, I am no fancy  cook- we get by one what I do cook though-LOL):

Monday-pizza-homemade or frozen- you decide

Tuesday-Take out- your choice-hopefully you do have a coupon!

Wednesday-Fried pork chops with seasoning salt, sliced , cooked potatoes in fry pan after chops are done cooking and a tossed salad

Thursday-Chicken breasts with your own coating or Shake n Bake, salad of your choice, wild rice,( instant store bought bagged type or your own), and baked potato

Friday-Ham sausage fried with onions and perogies

Enjoy this weeks menu!


I am waiting till tommorow to see if I am accepted for sponsership for the child course I wanted to take....keeping my fingers crossed. I have been unemployed for about a year. In that time I wrote my book, and pinched my pennies.If little else, the sponsership will allow me to become more educated on a subject that I have always been interested in-psychology.I am hoping it will get my foot in the door though for employment,( I do have a job interview Tuesday).

It's not that we can't manage on what we live on, it's just nice to have the extra in case we want to do something else beyond our boundaries of what money allows us to do with one income.It wouldn't mean we would spend foolishly-it would just mean having more peace of mind.

Are you living on one income? Are you on unemployment insurance benefits? Are you happy with living on one income or would you like to be a two income family? Were you once a two income family and now decided to get out of the rat race? Please feel free to ramble here.

Indoor Fun for the Kids-How to Make a Volcano

You will need: a large work area (this can get pretty messy, so use newspaper or make your volcano in the garden), modelling clay (brown and red), baking soda, red food colouring, washing up liquid, vinegar.

1. Make the outside of the volcano with modelling clay. Use brown clay for the base and red clay for the rim to make it look like red-hot lava.

2. Scoop out a hole at the top of the volcano and stir in 1 tablespoon of baking soda, a few drops of red food colouring and a few drops of washing up liquid.

3. Pour in 1/4 (quarter) of a cup of vinegar, stand well back and watch the volcano erupt!
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