Tips to Ease Management of Personal Finances

Tuesday, July 30, 2013

For many people, personal financial management can be a real problem, and their struggle to cope with this sometimes leads to them ending up overstretched or even ending up in debt. This is why it is important for everyone to find ways to take control of their finances.

Although it can be a daunting prospect to try to get and keep your finances in order, it is something that can be done when you put the right measures in place. Some of the ways in which you can ease the strain of personal financial management include:

Set up a spreadsheet

It is highly advisable to set up a spreadsheet where you can log all of the money that goes into your account as well as the payments coming out. This will then enable you to calculate how much disposable income you have left each month so you know what you have left to play with.

List your debts

If you have a range of debts, make sure you keep a separate list of them along with the amount you owe. It is a good idea to have a column that provides an end date for each of your debts if you know them, such as the end date for a personal loan.

Pay down debts

If you have debts such as credit cards, try and pay them down by making larger payments. The quicker these are paid off, the easier your financial management will become, as you will have fewer transactions to deal with and you'll have more money to play with.

Seek help when necessary

If you find that you are drowning in debt that is becoming increasingly difficult to repay, seek assistance from experts. The worst thing you can do is to ignore the issue and hope that it resolves itself, as it will only get worse. Counselors at Consolidated Credit can offer valuable advice and assistance in cases such as this. 

By taking these steps, you should find it far easier to manage your finances more effectively. 

Succeeding in a Home Business

Monday, July 29, 2013

Finally! You have a great idea for a home based business. This is truly half the battle. Home businesses are a wonderful way to earn some money while maintaining a good work/life balance. As you progress in your endeavor, here are some things to keep in mind to make your business a success.

Be online:
An online presence has a huge impact on your business performance. These days people will search online for reviews before spending money.  Consider making a business website or a Facebook page. This will be a great way to showcase your work and interact with your clients. Many website platforms are free and are a great way to start.

Keep your business money separate:
When you have a home based business it may seem easier to blur the line between private money and business money.  Set up business banking and look into places offering business loans. This will make you seem more professional, and as your business expands it will make managing your finances that much easier.

In any job the power of networking is always stressed as the key to success. With a home based business you can canvass around your neighborhood, but make sure to be present online as well. Interact in your business community, and do not underestimate the power of social media as a way to grow your capital.

Have a game plan:
 Endeavors without planning are just wishes. The first few months of any business can be especially difficult for anyone. This is the time that you iron out the kinks in your work. Sometimes it takes a little time to gain momentum. Make sure to have a goal in mind and be persistent.  It may take time and work, but as long as you see a light at the end of the tunnel it will be worth it.

Review: Unmentionably Cheeky

When shopping for the  unmentionables, nothing beats online shopping. You don’t have to fight crowds, and shift through products in front of prying eyes, in search for the perfect size. 

Recently, my daughter Erika reviewed Unmentionably Cheeky underwear line of products.  The line of underwear is fun, flirty, and feminine. You choose your size of underwear that you want, which comes in a huge variety of colors and styles and are very affordable. With free shipping to Canada and the United States, you do not have spent more than you want to meet a certain minimum to qualify for free shipping. This ensures that you only spend your hard earned money on what you exactly want. With a handy  size chart you can ensure that you find the right size to fit your body. With great price, affordability, and  great customer service, you can even more good shopping from the comfort of your home.

Erika's pluses were fast shipping and presentation of the shipped product. It's a fun service she said!

Review: Unmentionably Cheeky

When shopping for the  unmentionables, nothing beats online shopping. You don’t have to fight crowds, and shift through products in front of prying eyes, in search for the perfect size. 

Recently, my daughter Erika reviewed Unmentionably Cheeky underwear line of products.  The line of underwear is fun, flirty, and feminine. You choose your size of underwear that you want, which comes in a huge variety of colors, and are very affordable. With free shipping to Canada and the United States, you do not have spent more than you want to meet a certain minimum to qualify for free shipping. This ensures that you only spend your hard earned money on what you exactly want. With a handy  size chart you can ensure that you find the right size to fit your body. With great price, affordability, and  great customer service, you can even more good shopping from the comfort of your home.

Erika's pluses were fast shipping and presentation of the shipped product. It's a fun service she said!

Review: Derma e Natural Skincare

Sunday, July 28, 2013

Feeling great starts with great feeling skin. 

Recently I had the chance to review some of the  Derma e natural skincare line. I received some full sized products and samples.

With this line you are not putting some unknown chemicals to seep into your skin. Within the skincare line you you can treat your skin to vitamins, antioxidants, and botanicals that will make you look and feel great. Everything in the line of products feels smooth and smells simply natural and wonderful. When I try any product or before I buy a product, smell is always something that is important to me. I want something I am using to smell great!

There are many products to choose from with Derma e, such as moisturizers, serums, cleansers, and many skin care options that can be chosen for many skin care types and people facing many different skin issues. Being healthy is not just about what you put into your body, but it is also of what you put onto your body. So be healthy to your body inside and out. Health conscious living starts with treating your mind and body with natural products that will make you looks and feel great!

Mark Your Calendars! It's National Root Beer Float Day August 6th- FREE Root Beer Floats A&W (USA)

Friday, July 26, 2013

                   Free A&W ROOT BEER FLOATS!*

Stop in to your local A&W Restaurant anytime between 2 p.m. and store closing. Find an A&W near you.

Denny’s Canada Launches Innovative, One-of-a-Kind Mobile App

Denny’s is synonymous with a great meal any time of the day. 

You can now earn points with every purchase and redeem them for in store goodies. This new MyDenny’s program is available online but also as an app on iphone and android devices.

 Every time you make a purchase you get added points to your loyalty card, which you can redeem at any time you like, as long as you have enough points for what you are craving. This is a great way for families to get involved as points can be easily transferred between loved ones and are redeemable at any Denny’s location. So parents can save up points and gift them to their hungry teenagers. 

Earning points is easy, for every dollar you spend, you earn a point. So spend them as you go or save them up for a special meal, with the new MyDenny’s program, getting free treats have never been easier.

2013: The Year of the Royal Baby

Thursday, July 25, 2013

With the birth of the new Royal baby, it seems only right to celebrate with some princely apparel, and Redbubble has an extensive collection of royally dedicated t-shirts and baby onesies.

Finally, the long gestation is over and HRH George Alexander Louis has arrived. With a mom like Kate Middleton, we know that this will be one stylish baby. 

You can celebrate this birth in style with some princely apparel found on Red Bubble. There you can find t-shirts, hoodies, iphone cases, prints and so much more celebrating the royal birth. There are designs that will fit any style for any fashionista. 

Red Bubble has so much more than princely apparel. You can find virtually any design you want and showcase it with class. So head over and mark this monumental occasion.

July is National Blueberry Month

Monday, July 22, 2013

Is there a more perfect berry but the small and mighty blueberry?

This little berry has one of the highest antioxidants capacities in the fruit and vegetable world; they fight off  disease inducing free radicals in your body. They also are a low Glycemic Index food meaning that they have a low impact on blood sugar levels. Best yet they are a delicious and low calorie snack that you can enjoy raw or as part of various healthy food choices. With so many benefits it’s no wonder that July was declared National Blueberry month.

No need to feel blue, with more of these berries in your diet.


Pure is known for being organic, vegan, gluten-free, and non-gmo certified and has the best blueberry snacks. These Pure organic Blueberry bars are perfect for kids and moms.Pure also has a complete line of healthy bars included an Ancient Grains bar which is a complete protein.

Healthy Choice Blueberry Greek Frozen Yogurt- 

Lush blueberries folded into velvety Greek Frozen Yogurt for a treat that's so rich you'd never guess it was 100 calories.

Sparkling Ice- a zero-calorie, slightly carbonated beverage with bold flavor.

Sparkling ICE combines naturally flavored sparkling mountain spring water, vitamins and antioxidants and natural fruit juices for a bold, lightly-carbonated beverage that appeals to all age groups. Available in ten refreshing flavors, including Pomegranate Blueberry Sparkling ICE.
Sparkling ICE can be found in retailers nationwide. A great alternative to soft drinks, Sparkling ICE is caffeine free and sweetened with Splenda.

Product Review: La Fresh Wipes

Sunday, July 21, 2013

Sometimes it’s the small things that can make or break your day. Often times, such as when traveling, wet wipes can make a huge difference in the way you feel. 

Recently we  had the chance to try a collection of La Fresh wipes, and believe me these are not your baby’s wet wipes.

La Fresh has a huge collection of handy, carry size wipes that can do a multitude of functions. There are antibacterial wipes, antiperspirant wipes, bug repellent wipes, make up remover, facial cleanser,  nail polish remover and lens cleaner, among many more. These are super handy when travelling and you do not have to worry about bringing bottles of liquids past airport security. You can just toss these in your bag, your car, your office, or any place that you may need them. 

This is a product you never thought you’d need, but once you try it, you won’t live without. Love them!

Trip A Day Summer Giveaway! (Canada/USA) !!

Saturday, July 20, 2013

   Enter today to Win Today's Trip Giveaway from Book!!

Review: Sun Safe With Coolibar

Wednesday, July 17, 2013

Many of us have experienced sunburn. Some of us can still get burned when wearing sunscreen. Sunscreen can end up washing off after a dip in the water, or get wiped off during the course of the day. Recently we have had a chance to review a fashionable alternative to sunscreen with Coolibar sun protective clothing. The company is based in Australia, so they do know their sun!
Coolibar offers many different types of clothing including tops, pants, dresses, swimwear and active wear among many more. The clothing is available for men, women, children and infants, so that the entire family can be protected. Each item of clothing is UPF 50+ and offers 98% UV protection.
We have found the clothing to be nice and light, and it did in fact offer great protection from the sun. Since for many people comfort is as important as style, it’s good to know that Coolibar clothing is not only protective against the sun, but very fashionable as well. You can find as many clothing styles or colors as your hear desires, so that you never have to sacrifice your fashion sense to stay sunburn free in the sunny and hot summer months.
Gerry loves his travel pants which he wears as casual wear to the office as well as being great for outdoors. Comfy and lightweight for Summer!

I love their Seaside Hoodies! Lightweight to wear with a tank top, even on a warmer day- and also very soft and comfy wearing!

Your One Income Story By Brandi of Pennsylvania

Saturday, July 13, 2013

We are a family of 7. We have 5 children and the ages range from 14 to twins that are 7. There is only one of us working right now. It would cost too much for child care for both of us to go to work. I stay at home and he works. I cut costs by buying in bulk for groceries, using coupons, and if your grocery store has the savings card, I go online and download e-coupons and put them on my card. I only buy sale items, and usually 10 for $10 items. Some groceries stores have 5 for $19.99 on meats.Those can be great deals for me if the quantity is right. I found that if I go to a butcher shop it is cheaper for me to get a 1/4 cow that costs (cheapest I got it was $245.-$280) I request to have mostly burger some roasts and  a few steaks out of the cuts of meat. I have the burger wrapped in 1 pound packages. We end up with it varies but about 60# of burger, 3 English roasts, 4 regular roasts, and 13 steaks. It lasts us a little over 3 months. I buy boneless pork loins on sale only when the price is about $1.88 # and buy 2 I have the store cut into quarter in slices and break it down to 7-8 chops per package.We get about 80 pork chops that way for right around $30. Making a menu helps too.

     Clothing is a little bit tricky because of the ages and sexes of my children, the oldest is a female she's 14, then I have a 13 year old boy, then I have a 8 year old girl, and twin boys that are 7. The 3 youngest are very close in the same sizes so I try to get  pants/shorts that will work for all 3 of them.  I shop at lightly used clothing stores. I even have family members that pass their children's clothes to my kids. I will go to the local Salvation Army store that have sales on the color of tags everyday of the week. The goodwill store is another good place to go I can save a lot there too. Yard sales have been great.  I have not figured out a very good way to save on clothing but I will.

     As for saving in the home, I will go around after everyone, shutting of lights to save on electricity.Kids leave every light on when they come out of a room.  I unplug any and all unused cords (cell phone charger, can opener, microwave, etc.) which I am very surprised that does take a lot off electric bill. I will hang clothes up to dry over the bath tub,or out on the line if it is not raining. I found if I break down and buy more expensive laundry soap it lasts longer and you use less of it.If you have some baking soda, out it in with the load. I go to big lots and buy shampoo and all my house hold things they have sales like 2 -3 times a year for 25% off entire purchase and everything is descent prices there. I end up having about 10 bottles of shampoo, I try to have a stock pile.

      I heat with propane which costs me about $800-$900 a year to fill the tank.In the summer instead of leaving the pilot light burn I go outside and shut of the main valve that runs to the house then relight it when it starts getting cold but not right away. I will throw on an extra shirt or grab blanket if anyone is cold.  April to about Oct I go out and shut main valve off so its not using any. I make sure I clean at least once a week my seal around my fridge, and I use the vacumm an clean the coils that way its not working that hard to keep items cold.  I live about 10 miles in any one direction to get to a store so when I go I try to get everything I can that way I am not wasting gas.

One more thing I would like to add is if you have a deep freezer, freeze yourself some bags of ice and if your electricity ever goes out those bags of ice will save your meats from going bad and you don't have to throw them out plus if some thing happens to your water unthaw and drink it. 

   That is my story how we make it on one income. 

Get It This Friday/ Saturday! “Black Friday in July”! is Slashing the Spa Sonic 40%!!

Tuesday, July 9, 2013

This Friday and Saturday (July 12 & 13) is the ever anticipated, “Black Friday in July”, and is slashing the Spa Sonic price a staggering 40%. This regularly $60 item will be available for ONLY $34. There is no product on the market that boasts this quality for anywhere near this price.

Manual cleansing can leave behind dirt and oil trapped in pores.  This build-up can have a negative effect on the appearance and health of skin.  Spa Sonic maximizes one’s personal skin care routine with a deep cleansing that allows lotions to soak into the face and body rather than get trapped on the surface.  

“The Spa Sonic Face and Body Polisher Product was confirmed as comparable to the
 Clarisonic Plus Skin Care System and Spot therapy Kit"
-STR/ Shuster Labs (Leading independent consumer testing laboratory in the USA)

Not only does Spa Sonic do the job of Clarisonic, for a fraction of the price, but it also comes with bonus accessories. The body brush and microdermabrasion attachment are wonderful additions to this stellar product.

Sunday - July 7th

Sunday, July 7, 2013

Well, it doesn't feel much like summer here today. I think our temp was 12 degrees today last time I heard. Rainy too- like Fall to me. And I'm always cold. Suffer from poor circulation. 
I've got my sweater on and my moccasins,( although the fur that was once in them is no longer warm, and actually quite packed down and bare. Will be time to change over to another pair of slippers I have here soon and retire these.)

Our siding has come in for the trailer so Gerry had started with that yesterday but today's rain limited him to doing staining in the workshop, and putting the siding on hold.
So here is the before shot of the trailer. All the lighter color grey that was on the porch came off and went on the workshop, and the the rest of the trailer will soon be getting a dark grey.
Our fences are in hard shape, but fence boards are so expensive! Most building material actually.

In this photo above Gerry has stained our golden magazine rack to a dark walnut, to better go with the furniture in the living room, and the thing beside it is our laundry hamper, minus the bag that sits in there, as the stain is drying, plus our headboard, which was an ugly brown before, but should now match better in the bedroom. He had different types of woods, so the stain all took on bits of different shades.

Sold my cedar chest I had in the bedroom- and a lady is suppose to come pick it up tomorrow so I'm hoping to use that money towards a new taupe color for the walls in our bedroom and also needed a plastic 2 drawer chest for mitts, hats, etc.,for inside our porch closet. My old colors in the bedroom were white, honey oak and creme yellow. Now they will be white, dark brown and dark purple. 

Made 2 batches of cookies yesterday- first batch I over baked and a bit disappointed but the second one was better.Love trying new recipes though. And even at my age, I'm still learning from trial and error. We eat desserts for weekend coffee breaks and after meals, so always some baked goods in the house!


Robax Platinum Trial Offer ( Canada )

Thursday, July 4, 2013

Robax Platinum Trial Offer

Win With Häagen-Dazs - The Perfect Cup (Canada)

Tuesday, July 2, 2013

Häagen-Dazs - The Perfect Cup: Tell us your Perfect Cup for a chance to win. Over 5,000 Häagen-Dazs Snacking Cups (118ml) available to be won. Daily draws with Prize Spark. Share to win extra prizes.

Happy Birthday Canada!

Monday, July 1, 2013

Happy Birthday Canada! What is everyone doing today for Canada Day? The sky started out cloudy and even with some rain this morning, but it quickly turned oh so hot and sunny. Gerry's on his last day off today from our holiday in Vancouver as well as the long weekend, so since he's been back, has been trying to do some more things around the house. Besides his own things he wants to do, I always have the "honey-so" list as well.

We ordered our siding before we went on our trip, so that should be in next week- as it wasn't while we were gone. He has been busy taking off the light colored grey siding off our addition, and putting it on the workshop. (The new siding for the trailer will be dark grey.)

So hot out though that Jakey didn't even want to be outdoors, so inside with me and the ac.
Going to start with my outdoor walking again tomorrow- get back into a routine. It will be warm but I'll take it over the cold any day! Enjoy the day everyone!

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