Saturday, November 24, 2007

Christmas Savings Account Tip

We do not have any major credit cards and haven't in at least 5 years. The majority of our Christmas presents are cash. I do have some store credit that I occasionally use, but am trying really hard not to. Anyway, what I did was I opened an account at ING DIRECT
and named it Christmas Account. If you haven't used them yet, I absolutely love them. I started using ING back in 2001 & have almost completely switched everything over to them. They have a nice interest rate, no minimums at all, savings & checkings accounts, plus Cd's, etc.

Every month I add whatever money I can to the account for Christmas. Then when I need to buy something I just transfer the money over to my Electric Orange from ING DIRECT, checking account. It makes it easy to both save & buy for Christmas. Plus I earn interest both in the savings account and the checking account.

Ideally what I would like to be able to do is to just transfer a set amount out of each paycheck. However, we do not receive a steady pay check; my husband does Home Improvements and I sell on Ebay. If you do receive a paycheck, I suggest figuring out your target goal for Christmas. Then divide by the number of paychecks you will receive to figure out what you need to save out of each paycheck.

If you can't save the entire amount, anything is better then nothing. You can also look for ways of saving money throughout the year. Cindy's Porch is a fabulous website for ways of saving for a cash Christmas. I highly recommend joining her newsletter list. I have been getting them since the very first one & just LOVE them!!!

Good luck on your cash Christmas for next year & who knows maybe even this year :)

A great thing to do for next year is to set up an account and then schedule your automatic payments for January 2008. If they are automatic you will get used to budgeting in the money & will start to not even miss it. Relying on yourself is very hard to do, automatic is the key to success in this. Trust me, I know from experience!

Feel free to comment with any tips you have. If you have any questions about ING, just email me. I Love them! I think they do referral bonus still, so if you want one, just email me :)

Cash Advance $1500

With Christmas coming up and bills piling up, there might be an occasion when I need to get a payday loan.

How Can a Cash Advance Loan Help Me

Cash advance and pay day loans are advantages to consumers who need fast, unsecured loans in times when they can’t wait for pay day. Applying for a cash advance pay day loan over the internet is a fast way to fund a personal checking or savings account.



I like that the money gets deposited directly into a checking or savings account. If I think I am going to bounce a check, the money would be deposited & I wouldn't bounce a check. If you have ever bounced a check, then you know what a pain it is. You get hit with fees from both the bank and the company you are bouncing a check from. Plus a lot of times, the company will reprocess the check and get stuck with even more fees. What a mess! Payday loans can help with those issues.

Cash Advance 1500 is a very easy to navigate website that can help you in hard times. They offer tips on how the process works and great articles. It can be hard finding a trustworthy site to receive a loan from, let Cash Advance 1500 help you find the right sight with the lowest fees.

Thursday, November 22, 2007

Dyson Vacuums

Being a stay at home mom, cleaning is one of my biggest jobs. If you know anything about vacuums, then you know that Dyson is one of the best. They have a nice range of vacuum cleaners from £199.99 to £339.99. Each vacuum has their Root Cyclone™ technology. Dyson offers no loss of suction, they are built to last, they have no extra running costs, approved for allergy sufferers & offer a 5 year warranty. Recently they have just added a parts & accessories section to the website. It is very easy to navigate, just select your model & go from there.

I hope that my next vacuum will be the DC 14 Telescope reach for allergy sufferers. It comes with the Hepa filter, brush control, large debris chamber, telescope reach & of course the root cyclone technology. I love the sleek design & the never ending suction that Dyson offers!

Review: The Golden Compass

Coming soon, I just finished the book the other day & will write more later. It was awesome & I cannot wait to read the 2nd & 3rd :)

What reading means to me & a contest ...

Crazy Hip Blog Mamas is giving away two sets of two BookBox Reading Karaoke DVD’s to giveaway from Master-Communication, which publishes and distributes books, bilingual books, DVD and programs which promotes global understanding.

If you’d like to win one of these sets, go to your blog and post an entry about what reading means to you or your child. Don’t forget to include a link to this entry!

I have always loved reading, ever since I was very young. Reading to me is an escape. When I am feeling stressed out, I love getting into a good book & forgetting my problems. I have tried to instill a love of reading to my two girls. We have a large variety of books. I want them to see that reading can be anything you want it to be. Go on an adventure, travel to different lands, worlds even. Learn something new, etc. So, that is what reading is to me :)

Win a Handmade Snowflake Ornament

Up for grabs are two ornaments each for two winners and all you need to do to enter is add a link somewhere on your blog back to theirs.

Do this before November 26 when the contest ends, make a comment linking to your entry on the contest post, and you’re in.

Take a look at this great blog while you are there, here is a great post to holiday party tips.

Golden Compass

I cannot wait to see this movie! I normally cannot stand Nicole Kindman, but she is so perfect for this part. I just finished the book & can't wait to read the next two!

Happy Thanksgiving


Wishing everyone a Happy Thanksgiving! Hope you have a wonderful day and lots to be thankful for!

I am thankful for my beautiful children!!!

Here is some history of Thanksgiving.

Wednesday, November 21, 2007

Idol Fansite

Are you a big American Idol fan? If so, I have found the site for you! Idol Exclusive is a new social networking site for American Idol fans. Just create a free page & enjoy all the benefits. You can communicate with other fans via blogs, forums, photos, videos. You can read all about the latest Idol news. You even get a choice between on the computer or on your cel phone. Signing up is super easy. Just give them your email & make up a password. Then just create your page. You can see my page here. I didn't even have to upload a picture, they had it already :) Once you join, you can customize your page using one of there themes. Then start finding friends, create a blog, upload pics or contribute to conversations just to name a few. So, if you are a fan, check out Idol Exclusive!

Wordless Wednesday


Kids in new coats :) Visit more Wordless Wednesday here.

Target Contest

Tuesday, November 20, 2007

Ebates - Earn money back for shopping online

Woo hoo, I just got my Ebates bonus check yesterday. It was my smallest at only $15.06. Hey it's extra $$$ for gas though :)

They are offering a great holiday bonus right now ~

Through December 31st, 2007, tell your friends about Ebates and get a Holiday Bonus:
Refer a Friend: You'll both get $10*
Refer 2 Friends: They'll each get $10* and you'll get $25*

To get $25*, simply send this Holiday Bonus sign up link to your friends: www.ebates.com/refer-a-friend/signup/holidaybonus/index.htm?id=27141285

HOW IT WORKS:


  1. Tell your friends about Ebates
  2. Your friends sign up on the Holiday Bonus page and get a $5* Sign Up Bonus plus a $5* Holiday Sign Up Bonus.
  3. Until December 31st, 2007, for every friend who signs up and makes a first qualifying purchase, you'll get a $5* Tell-A-Friend Bonus plus a $5* Holiday Tell-A-Friend Bonus.
    For every two friends, we'll add a $5 Holiday Gift to your account for a total of $25!

NO BONUS LIMIT


Tell your friends, family, co-workers. Tell as many people as you want!
The more, the merrier!

*RESTRICTIONS:


  • This Holiday Bonus Offer is non-transferable and only valid for Ebates referrers who received a Holiday Bonus Offer e-mail from Ebates on Novermber 15th, 2007.
  • Your friends must sign up using your Holiday Bonus Offer sign up link and make a qualifying purchase by December 31st, 2007.
  • Qualifying purchases made after December 31st, 2007 will be subject to regular Tell-A-Friend terms and conditions, with $5 Sign up and $5 Tell-A-Friend Bonuses.
  • Coupons Only and No Discount transactions do not qualify for Holiday Bonuses. Only transactions at Cash Back stores qualify for this offer.
  • Self-referral is not allowed.
I have been using Ebates for years & they are a really great company. You get issued a rebate check every 3 months for your online shopping. They have tons of stores. I use them a lot for JC Penney & even QVC (love their scrapping deals).

Monday, November 19, 2007

Weekend Snapshot


Ran to Kroger to pick up a turkey for .49 lb & I guess Cam got tired cuz she hopped up on the Pepsi display, lol.

Sunday, November 18, 2007

Contest Roundup

MamaDivas is giving away set of Cleo Books. Enter by Nov 30th!

Silicon Valley Moms Blog is giving away a $50 gift certificate to Honeys & Heroes - Enter by Nov 24th!

Pinks Daily Shopping Deals is giving away a hand painted pillowcase. Enter by Nov 21st!

Mom's Reviews is giving away a HP Photobook. Enter by Nov 26th!

Island Life with Queen Baby Bee is giving away a set of Baby Legs!! (my favorite!) Enter by Nov 21st

Yes They Are All Mine is giving away a set of books. Enter by Nov 21st!

Raking Leaves


The girls had fun yesterday raking leaves. I think this is the first time we have done a "fall activity" this year. I had to run & grab the camera, lol. Maybe I will actually be able to scrap a fall page for this year :)

Goth Dating

Post sponsored by Darkyria.com

If you are a Goth then you might be interested in this unique singles website I have discovered. Darkyria.com is aimed at Goth, Dark, Fetish, Vampire, Heavy, Extreme Music and Alternative Culture. Now you have one place to search out a match that has your interests. It isn't only for dark or metal music followers either, they also will match up people into Horror, Sci-Fi, and even fantasy. Best of all the site is free, upload pictures & make an ad for yourself. Registering is fast and easy. It just takes two quick steps. Then you are on your way to meeting a like minded person to date and possibly share your life with. They have thousands of profiles and pictures to browse. When you find someone you think you might like, they have a fun feature called "Send a Wink". That allows you to let that person know you are interested. They have tons of features and even a great map search that shows you where in the world people are at. They have many easy search features including sorting by age & even country. If you are interested in Gothic dating then you must check them out. My cousin is a member and she has a lot of fun meeting others like her.