April 30, 2007

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Get Ready For May Day

Filed under: Craft Project,Gardening — sandilarson @ 6:13 am

            Tomorrow is May Day.  Help your children participate in an old tradition that has nearly died out by making little baskets or cones from paper.  Early in the morning, gather little blossoms from your garden, and help the children fill each basket.  (even dandelions are appropriate)  Then, under your supervision, have them hang the baskets on the door knobs of neighbors homes.  They don’t need to knock or ring the bell. The little gift has so much meaning when left anonymously.  This is such a simple gesture, and will bring so much pleasure to each person when they open their doors and find a “basket” of flowers waiting for them.

April 29, 2007

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Reminder

Filed under: Organize — sandilarson @ 7:10 am

Review your calendar for May, and budget how much you will be spending for each gifting occasion.  If you normally purchase a Christmas present for those same people, plan on purchasing the Christmas gift at the same time.  Remember to record the purchase in your book.

April 28, 2007

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A Reminder

Filed under: Save Money — sandilarson @ 7:31 am

Are you still saving your change each day?  Is your spouse?  If not, re-dedicate yourselves to saving all your change every day.  Put a small jar or dish in an appropriate spot, and make a sincere effort to put change into it every time you have some.  If you find change in the couch cushions, or the washing machine… put it into the jar.  This is not rocket science… you will not miss the change, and you will be amazed at how quickly it accumulates

April 27, 2007

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Floral Displays

Filed under: Gardening,Save Money,Shopping Tips — sandilarson @ 7:08 am

You will be seeing lots of gardening equipment, supplies and plants on sale during the next few weeks.  I’m always tempted to purchase some of those big pots or baskets with several flowering plants in them… The sale price is usually around $20 or $30.  A beautiful floral basket makes a great gift for Mom on Mother’s Day after all.  Instead of purchasing a ready-made floral basket, you can make your own for ½ the cost.  Purchase an appropriate container, several starter plants, and a small bag of potting soil.  Plant your flower plants in your container, find a sunny spot outdoors (indoors if you are still having freezing nights) and let them do their thing.  In a few weeks you’ll have a lush floral display for a lot less money.   

April 26, 2007

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Are You On The Edge?

Filed under: Debt Reduction,Save Money — sandilarson @ 7:42 am

I got a call from another client, and their financial life is completely out of control.  Every day I see people that are walking around on the edge of a precipice, and they refuse to make any changes that provide them with safety.  Here are some questions you should ask yourself.  Do you have a savings account equal to 6 months of your combined household salaries?  Are you investing something each month into a retirement account? (this is different from savings)  Are you paying the complete balance each month on your credit card accounts?  Are you paying extra each month on your car and house payments?  Are you giving generously to your church (or a charity that helps people) on a weekly basis?   If all of these are YES answers, your financial life is probably in pretty good shape.  If only some are yes, then you still have some work to do.  You are near the precipice, but not in immediate danger of plunging off the edge.  If you couldn’t answer yes to any of the questions, you are like a man that has been blindfolded and left on the edge of the precipice.  Any movement could carry you over. 

You can make little changes in your lifestyle each day.  They aren’t painful, and don’t even require great sacrifice.  Most are just like the little things I write about each day.  You wouldn’t risk taking your entire family on a bike riding trip around the edge of the grand canyon without adequate safety equipment and training… And yet, so many will risk their family’s financial health on a daily basis without any thought to the possible consequences

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