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How To Consolidate Your Debt
If you have a lot of debt, you may be wasting your money. Many times, when our debt is mostly in credit cards, we are paying an enormous interest rate. This can make your payments higher and means that you will pay far more than you ever borrowed over the long run.More -
How to Hire a Financial Planner
You may think that only people who have a great deal of money need to hire a financial planner. The truth, however, is that most everyone can benefit from advice and guidance from a financial planner to help them with everything from budgeting basics to investing to retirement planning.So the question is how exactly do you go about hiring a financial planner.More -
Top 10 Money Saving Tips
For most of us saving money is not something that comes naturally. We agonize over it, ignore and think money will magically appear in our checking and savings accounts.Really, though, saving money is much easier than you might think.More -
How to Stay Debt Free During The Gift Giving Season
With the Christmas season rapidly approaching, you may be worrying about the financial impact of the gifts you will be giving. It is difficult to relax and enjoy the holiday season knowing that big bills will be coming in after the start of the new year. You can have a wonderful holiday season without spending too much money.More -
Repairing Credit
Having a good credit rating is important in today’s world. If you have recently applied for credit and you were denied, you may be surprised to find that you have a poor credit rating. A less than desired credit rating can occur for several different reasons.More -
Saving Time In The Kitchen
I am a big advocate of saving time where I can. Over the years I have learned lots of kitchen shortcuts and ways to save time in cooking. These techniques have translated to saving money because we are able to eat more of our meals at home.More -
Creative Scrapbook Ideas
Are you in need of a bit of a "pick me up" when it comes to scrapbooking ideas? If so, take heart. There are many ways to incorporate traditional methods in new ways as well as ideas to branch out and try something new.More -
Have You Tried Scrapbooking Software Yet?
Have you considered using scrapbooking software but are hesitant to try? I know I was. I put off my purchase for quite a while but was pleasantly surprised when I recently bought Scrapbook Factory Deluxe.More -
How To Make A Paper Bag Scrapbook
Paper bag scrapbooks are really popular now. Their small size makes them great for gift giving, for display on a coffee table, or even just as a "brag book". They are made by using paper bags (you know the brown lunch kind) and are of a smaller size than the larger scrapbook albums, usually 5 x 5 inches.More -
Throwing a Scrapbooking Party
A scrapbooking party can be a great way to introduce guests to the art of scrapbooking or for experienced crafters to share ideas and tips. (These get-togethers are called "crops.") There are many ways to approach a scrapbooking party, and the best approach for your party depends on your guests and the goals of the party.More