Saturday, May 26, 2012

Free $25 Lasts a Lifetime


by Donna L. Watkins

Randal and I have been members at Kiva for about a year and it's been such fun! I'd like to give you a chance to feel great about doing something great ... and it doesn't cost you a penny.

Talk about $25 going a very long way ... you'll get a lot of mileage out of this free deal.  It's a great way to recycle again and again.  What a great family project too!

We were blessed with the opportunity to be entrepreneurs many years ago so we want to 'give back' to those who follow in our footsteps. Everybody should be able to live their dreams no matter how poor the economy of the country or their personal situation. YOU can be a dream maker for somebody!

For a limited time, an anonymous donor is making it possible to allow you to choose somebody to lend to without having to pay for it yourself. Obviously they hope you will become addicted to the joy of it all and consider donating $25 yourself to change a family's life.

We began with $75, making 3 loans initially. As those loans are paid back the money returns to your Kiva account. So, you get to keep re-lending it over and over again. We've been able to be part of the loans for nine people in a wide range of countries.

Join me on Kiva and empower a borrower with a $25 loan… for free!    Change a life NOW!.

Here's the faces of some of the people we've been blessed to help:







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Friday, May 25, 2012

Getting Rid of Yard Waste

From Dollar Stretcher

No matter what season it is, you always seem to have a surplus of yard waste. Each year, disposing of grass clippings, leaves, small twigs, larger branches, and other yard debris seems like more strenuous work. This task makes you well aware that you're not getting any younger! There must be a better way to get rid of yard waste.

So what are your options for yard waste? You want to balance saving time and saving your back from all that labor, while stretching your dollars. You need to evaluate how much and what kinds of yard waste you have, such as grass clippings, leaves, trimming from bushes and garden, or bigger branches. Read the entire article.

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Ways to Reduce Costs on Paper Products

From Frugal Dad

Many people view paper products as essential household items. In truth, while paper products offer great convenience, their use harms the environment and depletes our pocketbooks.

If you have not thought much about your paper consumption, consider how many paper products you use during the course of a year and the amount of money you could save by cutting back. Read on for some ways to cut down on paper product usage.

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Save Money on Summer Vacations

From Frugal Dad

In the face of a tough economy and rising gas prices, it can be difficult for many families to find a way to pay for that summer getaway. Read on for some budget-friendly tips to keep vacation costs under control.

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Friday, May 18, 2012

Ways to Save When Buying Organic Food

From Bankrate.com

Organic foods may benefit your body, but they can be a drain on your checking account. In some cases, you'll pay double for organics. That's partially because they cost more to grow, and only foods that meet the strict requirements of the National Organic Program can bear the organic seal of approval from U.S. Department of Agriculture.

 Despite the higher price tag of organics, there are still some ways to ride the health-food train and have money left over for the car payment. Read the entire article.

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Snag The Best Used-Car Trade-In

From Dollar Stretcher.com

Now is a great time to trade in your car for something new because demand for used cars is driving up prices. The average trade-in value of a 3-year-old used car was 8 percent higher in January 2012 than in January 2011, according to the National Automobile Dealers Association's Used Car Guide.

While higher sale prices of used cars should translate into more cash for consumers trading their cars, that's not always the case. Here's how to get the best price on your used-car trade-in. Read the entire article.

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How to Save Money On Tools

From Frugal Dad

One of my fondest memories from childhood was building a small car for the local Pinewood Derby race with my grandfather. Though I had helped him with a few small projects around the house, this was my first chance to use some of those mysterious tools I saw hanging in his garage.

For my 10th birthday, my grandfather gave me what I still consider one of the greatest birthday presents I’ve ever received. The afternoon of my birthday I found a doubled-bagged brown paper sack rolled down and stapled closed (my grandfather didn’t believe in gift wrap) with a little “Happy Birthday” note written in pen on the side of the bag. Read the entire article.

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Friday, May 11, 2012

Financial Plans For Special-Needs Children

From Bankrate.com

For families with special-needs children who have disabilities, everyday life can be complex and starkly different than it is for other families. In addition, many of these parents carry another worry, says Tom Nurse, a Tampa, Fla., financial adviser for families with special needs.

"What people don't talk about is death, money and what's going to happen to Johnny. They worry about it, but they don't want to talk about it," he says.

He says specialized planning can be critical to provide peace of mind for parents and a secure future for their special-needs children. Read the entire article.

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10 Alternative Online Job Search Sites

From PT Money

If you’re looking for a job, you’ve no doubt tried the big name job search sites like Monster.com, Indeed.com, CareerBuilder.com, LinkUp.com, and SimplyHired.com.

Those are all great places to start your search.

But there are some other, more unique, possibly more targeted job search sites that you might want to try.

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Does Buying in Bulk Really Save Money?

From Not Made of Money

The popularity of warehouse stores like Sam’s Club and Costco encourage people to reap the rewards of shopping for their household needs in bulk. These stores tout cheaper prices for the average consumer who chooses to become a member of their warehouse club. But does everyone realize the savings? Read the entire article.

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Friday, May 4, 2012

Save Money On Your Backyard Cookout

From Not Made of Money

One of our favorite warm weather activities is grilling out in our backyard. It’s so much fun to enjoy the outdoors with friends and family and even better knowing that I don’t have to clean up the kitchen afterwards. We do keep our entertaining budget friendly though and have found several ways to enjoy our outdoor grilling and keep our finances in check at the same time. Here are some ways we’ve found to save money while still enjoying backyard cookouts.

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How I Stopped Excessive Gifting

From Get Rich Slowly

Most of us struggle with some psychological aspect of money that can impede our savings. Whether it be the lure of clothing stores, nights out with friends, or stocking a top-shelf liquor cabinet, there tends to be one thing or another that creeps from our wants category into our needs. I’ve never been a compulsive shopper and always preferred voluntary simplicity, both in the kitchen and in my closet. This means that for most of my young adult life, I had good control of my finances.

Then I started dating…
Dating quickly made gift giving my Achilles heel. As with other debt-inducing habits, it seemed harmless at first ... Read the entire article.

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Outdoor Decorating Ideas

From Gardening.About.com

Living in a 4 season climate, one of my rites of spring is dragging all the lawn furniture, large containers and assorted garden ornaments out of storage. Dragging them out sure beats dragging them in. In the fall, I swear I'll never buy so much as another bird bath. Come spring, I'm choosing colors and cushions with an enthusiasm I've never managed to work up for indoor decorating.

Our Guide to Budget Decorating, Tonya Lee, has compiled a whole lot of information to ease the pain this causes in my wallet, with her. Budget-Friendly Outdoor Decorating Ideas.

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"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28