Friday, October 15, 2010

10 Things People Buy They Should Get Free

I came across this on MSN-Money
by Donna Gehrke-White


  1. Free checking. Last week we wrote an article about how, at many banks, free checking was soon to become fee checking. But plenty of banks still offer free checking accounts. SunTrust, for example, offers a free plan with no minimum balance required. And you get free online and ATM service too. Wachovia and U.S. Bank still have their own version of free accounts. Chaseeven offers $100 for opening such an account. Indeed, a host of banks and savings and loans offer free checking. So far. When you’re looking for lower fees, including free checking, always to look to smaller local banks and credit unions.
  2. Free credit reports. You can go to AnnualCreditReport.com for a free look at your credit history once a year. If the Financial Regulatory Reform bill passes, you might also one day get a look at your credit score. Read about other changes ahead here.
  3. Free cash. If you can’t find an ATM near you for a free cash withdrawal, no worries: Plenty of stores will give you cash back with no fee when you use your ATM card to make even a small purchase. You can buy a candy bar or a Diet Coke and get back up to $100 in cash from Wal-MartTarget will give you back $40 if you use your ATM card for a purchase. Grocery stores also offer cash back. And then there are iPhone and other apps that will help you locate ATMs:Here’s one.
  4. Free information callsGoogle 411 will get you information numbers free, so don’t get ripped off by your cell phone provider. When you need directory assistance, dial 800-GOOG-411.
  5. Free scholarship search. Plenty of websites offer free searches for scholarships, such asFastweb. There’s even a company called Free Scholarship Searches that offers links to 40 websites that offer free scholarship searches. And check out our recent story, 6 Tips to Pay Less for a College Degree
  6. Free baggage. Sure, nearly all airlines are charging to check baggage but at least one doesn’t: Southwest. And remember carrying on bags is still free, except for on Spirit Airlines.
  7. Free entertainment. Your local library and parks offer lots of free fun, from books to movies to concerts. Join their e-mail list to see what’s up. And of course, there’s the Internet, offering free games as well as magazine and newspaper articles. Just go to the website of your favorite periodical.
  8. Free Water. While technically not free, tap water is about as close as you can get. If you’re concerned about water quality, buy a filter. But don’t ever pay for water at a convenience store.
  9. Free TV. Thanks to sites like Hulu, you can now watch many popular television shows online for free. If your favorite shows are free on the web, why pay for cable or satellite? Check out You Don’t Have to Pay for Cable TV for more.
  10. Free telephone calls. Services like Skype and AIM let you communicate with other users for free. Always calling a loved one long distance? If you both get copies of something like Skype, you can talk all you want without paying a dime. And with a service like Google Voice, you can get all of your cell phone calls free, too.
That’s a few quick ideas, but we know there are dozens more. Share your favorite and help make this list even better.....

Saturday, April 10, 2010

Jimmy Wayne: Meet Me Halfway



http://meetmehalfway.jimmywayne.com/





I have been following Jimmy Wayne since the first of the year January 1st, 2010...Making a Happy New Year For soooo Many...


It is a very heart warming story and a wonderful Campaign and it has inspired me so much...


I grew up in a very small and poor town (Cloverleaf, Tx).. and I met my Husband(soulmate) in this town... We were blessed to find each other at a very young age (Myself age 14 & My Soulmate 13).. we were very young but we were in love... 4 years later we were married and a baby on the way...... That was 35 years ago... 3 kiddos & a boat load of grandkiddos.. and I think of my Children and feel so blessed that they had a Home to call there own & I want to Help and(Hope) for these Homeless and Aged out Young adults so that they can have a wonderful and fulfilled life they deserved....

http://www.projectmmh.org/

I came across this: Jimmy Wayne is an AMAZING MAN.... Please support his campaign or Show Support him.. it is such an amazing story and I know it will HELP out so many People and be great support to a lot of young adults and teenagers if given a chance... Luv You All... ~HUGS~


It was Sunday morning April 11th, 2004. Not an ordinary Sunday morning but Easter Sunday. The day that Jesus rose from the dead. A day of celebration and LOVE!
Spring is so beautiful. I love hearing the birds sing, the colors, the fresh air, the sun shining, the smell of the flowers; but most of all...BUTTERFLIES! ;)
As I walked into church that morning, nothing seemed different except all the beautiful lilies that surrounded the waterfall in the front of the stage. I walked in and greeted everyone as normal.
I knew we had a special guest this morning and I loved his music, so I knew it would be an amazing service. As I made my way to the front of the church to be seated, I could feel something SHIFT in the atmosphere! I didn't know what, but I was paying attention?!
As our guest was announced, he walked up to the front of the stage. He looked a little shy and nervous. His eyes are dark brown, his hair long and wavy, he was wearing jeans, boots and carrying his guitar.
As he sat on the stool with his acoustic guitar, he began to speak softly...
He started to tell us about his terrible upbringing. He explained that his father abandoned his family when he was just a boy. His mother then remarried. Him and his sister were raised by their stepfather, who was very cruel and abusive. His mother ended up in prison. The abuse became so bad that his stepfather tried to kill him, and ended up in prison for attempted murder.
This sweet innocent boy ended up in the foster care system and eventually on the streets. He had nowhere to go, no one to take care of him and no way to take care of himself. He was homeless, lost, lonely, and hungry!
Tears welled up in my eyes as he was sharing his story and my heart ached for this boy, now a young man; sitting in front of me.
Seeing him and knowing him as a famous singer, I would have never expected it!
As he continued with his story, he told us about a couple that took him in off the streets and let him live with them. The couple had one condition, that he attend church on Sunday's, which he agreed.
Through his experience he learned that the LOVE he was missing, the LOVE he was searching for, was always there... through Jesus.
As he began to sing, his voice was deep and crystal clear. There was so much power coming out of his voice, that I could feel the vibration in my soul.
As I was listening to him sing, I had chills all over my body and I began to weep uncontrollably. In fact, I don't think there was a dry eye in church that morning.
This young man, was none other than famous Country singer, Jimmy Wayne.
To this day, I still can't listen to this song or watch the video without crying...
JIMMY WAYNE - I Love You This Much

Jimmy has continued in his faith, his music, and most of all he is continuing to raise awareness. This year he began project Meet Me Halfway, to raise awareness of the fact that too many youth (especially those that are aging out of the foster care system) are facing circumstances similar to what he faced.
Meet Me Halfway kicked off January 1, 2010. Jimmy started to walk halfway across America from Nashville to Arizona.
Fame has not stopped him from showing LOVE and Giving back.
Thank you to all of you that have shown your support to Jimmy, MMH, the children and for bringing Jimmy coffee on the side of the road or just stopping to give him a hug.
God Bless you Jimmy for being a VOICE and blessing all of us with your Love, Faith, Humbleness, and Music.
I'll leave Y'all with this...
What Manner of Man IS This... that WALKED the hill of Calvary and went to the Cross for You and I?
The Message of the Cross IS L*O*V*E!!!
Thank you JESUS!

I want to say -Jimmy Wayne-You are A Very Awesome Man, You are the Best and you are loved by so many- God Bless You - BIG ~HUGS~

Saturday, March 27, 2010

EASY & FUN Snacks for the BEACH

Chocolate Sun-due

The hot sun isn't always a candy bar's best friend,
but this solar-powered treat makes the most of
the sun's chocolate-melting abilities.

-Chocolate bars (1 for each person; we used
1.55 ounce Hersey's Milk Chocolate bars)
-Fruit for dipping, such as strawberries or Bananas

AT HOME: Unwrap the chocolate bars and place them
in separate plastic containers with tight-fitting lids,
1 per container. Wash the fruits (slice them too, if
necessary: leave bananas unpeeled to prevent browning)
and place them in the separate plastic containers as well.

AT the BEACH: Leave the containers with chocolate
in the sun, covers on, until the chocolate has melted.
Then simply dip the fruit into the chocolate, using
cocktail picks or skewers if you like.


Sail-ery Boats

Ants on a log take to the high seas with this cool
seafaring version of the classic snack.
1 bunch celery
1 container dip, such as whipped cream cheese,
peanut butter, or Nutella
1 package triangular crackers (such as Triscut thin Crisps)

At Home: Wash the celery stalks and cut them into 3-inch
long boats and fill each one with dip. Pack the stalks in a
plastic bag or container and refrigerate them, transferring
them to your cooler before heading to the beach.

At the Beach: Press a cracker into each boat for a sail. (If
you can't find a triangular cracker, just use square ones to
create a fleet of old-fashioned square-riggers.)~

Enjoy.... ~HUGS~






Thursday, February 25, 2010

"MOM" sense

I came across this on MSN-Money Talks News
by Stacy Johnson

Tasty Tips To Save on Food

Cook from scratch: Making meals from scratch is probably the single best way to save on food. Because the more prepared the food, the more it costs. Ironically, less expensive home-made is also normally better for you as well.
Generics: sometimes generics aren’t as good as name brands. In those situations one might choose name brands. But for things like flour, sugar, salt, bleach or virtually dozens of other items you find in the grocery store, the only discernible difference is price. Paying more for an identical product is more than extravagant; it’s stupid.
Lists: Writing down what you came for…and ignoring everything not on it… will save money. It will also save time and fuel expense by preventing repeat trips to the store for things you forgot.
Stoop and bend: Smart merchants place the most profitable items at eye level and on end-caps. Stoop, bend and look around for the best values.
Coupons: For decades, coupons have been a shoppers best friend. These days online coupons have made them easier to find and use. If you haven’t used a coupon search engine yet, do so. It’s a new routine. Internet first, then store.
Warehouse stores: The savings you can find at warehouse stores are well-documented. Here’s a story we did on the five best deals.
Salvage grocery store: these are harder to find, but if you happen to live near one, the savings are huge: up to 50%. Here’s a story we did on salvage stores and here’s a list of them by state.
Don't shop hungry: It makes you buy more.
Shop alone: Kids, and spouses who act like kids, will often whine, cajole, or otherwise try to influence you into impulse buys. Leave ‘em at home.
Always overcook: then freeze. That saves the time you need to be able to cook from scratch.
Substitute cheaper ingredients: for more expensive ones.
Weigh pre-weighed products: Use the handy scales in the produce department to weigh pre-weighed bags. For example, if you’re buying a 10-pound bag of potatoes, weigh them. Some will be 9 and a half pounds, but some might be 10 and a half for the same price.
Repackage: Put small quantities of leftover sour cream or other perishables in smaller containers; they’ll last longer. Cookies, crackers, and the like will also last longer if stored in glass jars.
Grate savings: You pay more to have someone else grate your cheese for you. You’ll also save by cutting up whole chickens, slicing your own pickles, slicing meat for cold cuts, and using a blender or rolling pin to make your own bread crumbs.
Save on starch: Fancy boil-in-bag or flavored rices routinely cost 10 times the amount of the old-fashioned kind. All it takes to make rice is the ability to boil water! Bags of smaller potatoes are often half the cost per pound of big baking potatoes. Bake two little ones instead of one big one. Your stomach won’t notice.
Save on Protein: The simple proteins found in beans are better for you and obviously much cheaper than the complex ones in meat, fish and poultry. In other words, eat less meat!
Milk your budget: Milk about to expire? Freeze it. You can thaw it out and use it later. Same with things that might be rotting in your vegetable drawer: onions, parsley, tomatoes, garlic. Not only will freezing keep it from rotting, it will keep it from stinking.
Butter up the cheese: Lightly buttering the edge of semi-hard cheese makes it less likely to form mold or dry out.
Extend yourself: Adding cottage cheese to hamburger will enhance the flavor, add protein, and allow you to increase servings from four to six per pound.
New life for old bread: Leftover bread and rolls can be toasted in a toaster oven and chopped up into croutons.
Alter your recipes: Nobody will sue you if you alter your recipes a little. You can substitute cheaper veggies (sliced carrots) for more expensive ones (zucchini). You can also probably reduce the cheese or sugar in your baking slightly, without noticeably altering the taste. Keep in mind that recipes will often “round up” ingredients to make them easier to measure. When you read a recipe, look for ingredients that might just be included to enhance the color instead of taste, and try eliminating them. There are ways of stretching just about everything. Make your cookies and muffins a bit smaller and make more of them. Add a little more water to your concentrated juice. Add extra potatoes, beans, etc. to stretch casseroles and soups.
Make your own salad dressing: Mix 1/2 cup of vinegar, 1 1/2 teaspoons of salt, 1/4 teaspoon of pepper, 1/2 teaspoon of dry mustard, 1 minced garlic clove and 1 cup of salad oil. Voila! Delicious salad dressing at a fraction of the cost.
Grow your own! Next time you buy fresh garlic, save the four inner cloves. Plant them about 1/2 inch deep. In less than six months, you’ll be in garlic city! There are many other herbs and vegetables that you can grow yourself, so check ‘em out.
Don't buy water. Ever. The fact that people pay for water is further proof that enough advertising can make people do just about anything. If you really have concerns about water quality, buy a cheap water filter and fill your own bottles.
Be a migrant worker: If you live near an area that grows fruit, vegetables or produce, go to a pick-it-yourself farm for bargain prices, fresh air, and a reminder of why you work in town.
Creative leftovers: Nearly every meal ends up with a few odds and ends that aren’t eaten. Keep two lidded plastic containers in your freezer. After every meal, put veggie bits in one and meat bits in another. You can then periodically sprinkle the bits of meat on your pizzas, or combine the two and make a great soup!
Keep lettuce longer: Wash your lettuce thoroughly, then go outside and swing it around in a pillowcase to get rid of the excess water (and to amuse your neighbors). When you’re done, put it in an airtight container and it will last at least two weeks in your refrigerator.
Last but not least: Remember, you are what you eat. Which would you rather be: an apple or a candy bar? One of the best things about saving on food is that what’s cheaper is often the same as what’s better for you. Apples cost less than candy, are more filling, and are much better for you. Water is not only healthier than soda, it’s nearly free (from the tap). Legumes are a cheaper source of protein than meat, and better for you as well.
Bottom line? There are lots of ways to save on food. Some will be appetizing to you, some won’t. But there are few things in life tastier than paying off debt and achieving your monetary objectives. So if you harness any of these ideas, be sure to use your savings for debt destruction!

PS: I added 2 large tablespoons of small curd cottage cheese to 1lb of hamburger for my meatballs and they were awesome... ~Have a Great day~

Wednesday, February 10, 2010

Pixie Dust & Pixels


Not Pixie Dust - its baby powder


Wanted to share a photo of 2 of my girls (babysitting). I left the room for a minute
and returned to this..... OH MY
Just imagine -- a full bottle of powder in one minute. It was in the air, in the hair,
and everywhere. Took a few days to clear it out of the bathroom and hallway.
I couldn't help but laugh and still do every time I see the photo. I have it on a
memory board so the kiddos can see it too. They(Kiddos) are awesome and
I wouldn't trade it for anything---never a boring day. Hope you enjoy it as we do.

Have a great day... ~HUGS~

Monday, February 1, 2010

"One of my Favorite Recipes"


Kitchen Fairy

Description:
Fairy Cake


All is tidy and all
is clean.
Pots and pans
shimmer and
gleam.
Sparkling glasses shine so bright.
Out of the cupboard a Fairy takes flight.


A cup of flour
A pinch of salt
A sprinkle of sugar
A splash of malt

Into the oven
Awhile to bake
Watch it carefully for goodness sake.

Open the door and onto the tray
Icing and sprinkles are soon on their way
Goodies and treats for the family to share.
The spoons are cleaned and counters washed
The oven wiped down with the kitchen cloth.

Back to the cupboard to rest for the day
A tuckered out Fairy I really must say
She loves to help out, clean and be merry
What a wonderful day
Thanks Kitchen Fairy!

Ingredients:
A cup of flour, a pinch of salt, sprinkles ---Goodies & Treats
Directions:
Mix in bowl with tiny hands and put in oven......