Straw Bale Gardening

This post comes from a blog written by a good friend of mine.  I am going to try this next year.

What is straw bale gardening?  You use straw bales as the soil for your garden plants.  They don't have weeds and you eliminate a lot of bending.

Continue reading: straw-bale-gardening

General Family Preparedness

Why Preparedness?

Disasters can affect any part of the United States at any time of the year, swiftly and without warning. Most people don't think of a disaster until it is too late; then they suddenly realize how unprepared they are for the massive changes it makes in their lives. Local officials can be overwhelmed and emergency response personnel may not be able to reach everyone who needs help right away.

Each type of disaster requires clean-up and recovery. The period after a disaster is often very difficult for families, at times as devastating as the disaster itself. Families which are prepared ahead of time can reduce the fear, confusion and losses that come with disaster. They can be ready to evacuate their homes, know what to expect in public shelters and how to provide basic first aid.

Continue reading:  General Family Preparedness

Emergency Survival 72 Hour Kits

I’m sure everyone has heard about the earthquake that hit in Virginia this week.  I always get so nervous when I hear about natural disasters and being prepared in case one hits close to home.  When disaster hits, it can take up to 3 days for relief workers to reach some areas. Having a 72 hour kit will supply you with supplies and food you need to survive for 3 days.

Continue reading at six sisters stuff:  sixsistersstuff.com emergency-survival-72-hour-kits

Just A Thought

Vehicle Emergency Kits

What should you put in your vehicle kit?  It depends on how many people ride in your vehicle, when and where you travel.

Everyone needs the basics....

• A good First Aid Kit
• A basic Set of Tools
• A Good Set of Jumper Cables
• A Coat or Jacket
• Flares and Reflective Triangle
• Gloves
• An old Rug or Mat to lay on
• Water
• Food or Nourishment of some type that will survive the hostile environment of your trunk
• A Blanket 
• A Shovel

Add to these contents based on your lifestyle.  If you drive very far to work you may want to add a good set of walking shoes.

Save on Prescription Drugs

The cost of prescription drugs can be an enormous drain on the budget. Enjoy this great article which gives some excellent suggestions on how to treat the high cost of prescription drugs.

http://www.walletpop.com/2011/02/15/savings-experiment-treating-the-high-cost-of-prescription-drugs/?icid=main%7Chtmlws-main-n%7Cdl9%7Csec1_lnk3%7C201866

What Is Food Storage?

The Utah State Extension Service defines food storage this way “Proper food and water storage can assist families in case of a disaster. When a disaster strikes it may be impossible to obtain food and water, even at the supermarket. Therefore it is important to have adequate food storage and water available in case of a disaster. The Civil Defense recommends storing food and water adequate for each family member for two weeks.” In a nutshell food storage is food that you store for a time of need. In today’s world we see many needs for food storage either with a natural disaster or a disaster of an economy lurking all around us

The 25 Documents You Need Before You Die

It isn't enough simply to sign a bunch of papers establishing an estate plan and other end-of-life instructions. You also have to make your heirs aware of them and leave the documents where they can find them.

A site for getting your paper work in order
http://online.wsj.com/article/SB10001424052702303627104576410234039258092.html#project%3DDOC110702%26articleTabs%3Darticle

Old Wives’ Tales For Homemakers

This post comes from Tipnut:   http://tipnut.com/

This is a read that gives a look at superstitions from back in the day.


This collection is a little different than my regular lists of vintage tips as some are superstitious (though there are practical nuggets here too). It’s hard to say how old any of them are, how they came about or why they were considered worthwhile to know.
Old wives tales were a simple way to impress upon someone the importance of doing (or not doing) a particular thing, in a manner which would be remembered and easily passed on from one generation to the next. Sometimes you have to interpret the hidden nuggets (ie. maybe salt stopping evil in its tracks was code for pest control, or the dire warning of accidentally boiling over the milk was more about taking care of precious food stores).
The stories could be regionally important, culturally significant, spiritually necessary (in the minds of those who repeated them), or vital to the health of the household budget (remember there was a time when the prices of salt and other pantry items were quite dear).
I’m not claiming these should be taken seriously or are vital information, I just find them interesting and in some cases useful to know. I pretty much kept the collection light, avoiding the death warnings and the evil eye or witch fears…though if you’re interested in that, stock up on sage and salt STAT, lol…nothing too dramatic in this bunch. I hope you enjoy them and they pique your interest as they do for me  . 

continue reading: tipnut.com/old-wives-homemakers/

72 Hour Kits with nutritional and energy requirements in mind

Although it is not official church counsel to maintain a 72 hour kit, it is a good idea to have one in case of an emergency. 

The U.S. Federal Emergency Management Agency states on their website: 

"You may need to survive on your own after a disaster. This means having your own food, water, and other supplies in sufficient quantity to last for at least three days. Local officials and relief workers will be on the scene after a disaster, but they cannot reach everyone immediately. You could get help in hours, or it might take days.

Continue reading preparednessmatters.blogspot.com

7 Tips to Get Your Car Out When Stuck in the Snow

Want a few foolproof ways to get your car out when it's stuck in the snow? We've pulled together our 7 best tips for getting—and staying—unstuck!

Read more tips-to-get-your-car-out-when-stuck-in-the-snow

Try This for a Change: 4 Simple Steps to Self-Improvement

’Tis the season of gym memberships, low-carb diets, and good intentions. Once a year, in the grand tradition of the New Year’s resolution, we resolve to eat healthier and brush up on our Spanish. Read more books and watch less TV. Be a little more patient and a lot more forgiving. We order yoga mats online and wait for serenity and better muscle tone to arrive at our doorsteps in 2–4 business days.

Maybe, like me, you’re able to stick with it for a month or so. But soon the kale smoothies of January give way to the milkshakes of February, and our good intentions become our failed ambitions. We stow our yoga mats beneath our beds, fall back to our old habits, and sigh, “Someday I’ll change.”

Read more try-this-for-a-change-4-simple-steps-to-self-improvement

Self Reliance: How to Make a Go-Bag

Aaron Titus is a disaster industry technologist and emergency preparation expert. Here, he shares with us how to build a “go-bag” so that you have the basic necessities on hand during any type of disaster.

Some disasters, natural or man-made, can require you to evacuate. Examples include a flood, civil unrest, a chemical spill, or a house fire. It often takes days or more before you can return. Even when evacuation is not required, many disasters knock out basic services like power, water, and communications for several days.

A go-bag or 72-hour kit helps you meet basic needs immediately after a disaster. A go-bag or 72-hour kit must be tailored to each family and updated as your family situation changes.

Read more how-to-make-a-go-bag

5 Home Cooked Meals Cheaper Than McDonald's

I recently had the chance to hear one of my idols, Mark Bittman, speak at a conference that I was attending. I’ve always been a big fan, and I love his recipes. I find them to be completely doable, and they have minimal ingredients – both wins in my book. I am also fond of some of the articles I’ve read in his column for The New York Times. So when I heard that he was one of the speakers, I was giddy, to say the least.

Though I loved his whole talk, a few points stuck with me. One of them was the fact that he had researched it and found that it is actually cheaper for families to cook at home than it is for them to buy dinner at McDonald’s. I missed his article on this one, but hearing him mention it certainly got me thinking. Like many others, I have always been under the assumption that fast food is cheaper than home cooked meals. I’ve figured that was part of the excuse for why so many people buy fast food. Seems logical, right? I decided to put his theory to the test, and I have findings below to support his theory.

Though I’m fortunate to live in an area with a slew of grocery stores around – everything from Bi-Lo to Fresh Market to Food Lion to Whole Foods – I realize that these are not as accessible to everyone. And I wanted to be sensitive to budgets of all levels, so I headed to the one store that most people have access to – Walmart.

Read more home-cooked-meals-cheaper-than-mcdonalds

18 Bizarre (and Legit) Ways to Earn Money in 2016

If you hate making extra money, then I suggest you stop reading right now. However, if you, like most normal people, are up for making a little extra cash in 2016, then read on, my friend! We’ve rounded up 18 of our favorite ways to bring in some dough throughout the year. You can try one or two to make a little money, or try them all to add more wiggle room to your budget.

Read more 18-bizarre-and-legit-ways-to-earn-money-in-2016/

How Long Do All Your Favorite Foods Last After They're Opened?

After you’ve opened a jar of pasta sauce and put in the fridge, it’s good basically forever, right? Sorry, Andre 3000, it’s not good forever, or even forever ever. Because we’re often confused about how long our favorite packaged food, fruits, and veggies are good for, we talked to Chris Bernstein from the Food Safety Education arm of the Food Safety Inspection Service/USDA.

Read more how-long-do-all-your-favorite-foods-last-after

Basic Cooking Tips to Prepare Meals Better

Knowing how to prepare a meal is an important skill to learn. It is an essential part of  living as we need food to nurture the body. Also, making meals can save time if prepared in advance, save money by cutting your grocery bill, prevent wasting foods, and is a good way to bring family and friends to the table.

Read more basic-cooking-tips-to-prepare-meals-better

Beginning Food + Water Storage

While many of us may not experience a natural disaster in our lives, there are still many reasons to prepare now with emergency food and water storage. Loss of a job, economic crisis, dangerous weather conditions, and experiencing a homebound sickness are just some of them.

It can seem daunting to provide for your family in this way, but food storage blogger Valerie Albrechtsen breaks it down easily for us here:

Continue reaading: self-reliance-beginning-food-water-storage

4 Ways to Kill Your Food Storage

Another great article from Misty Marsh.  Building a “home store” of food and other supplies isn’t easy: it requires a lot of time, effort, expense, and dedication.  It takes work.  I doubt that any of you want to waste the time and effort that you’ve put into building this supply.  Am I right?  Continue reading 4-ways-to-kill-your-food-storage

Self-Reliance: Emergency "Grab-and-Go" Binders

Misty Marsh is an emergency preparation blogger in Utah. Here, she shares with us some tips and helpful printable documents to aid you as you build your family’s emergency binder.

I love the truth found in Doctrine and Covenants 38:30, where we learn that proper preparation can dispel fear. This truth applies to spiritual, emotional, and financial preparation, as well as emergency preparation. But I also love that in Doctrine and Covenants 10:4 God teaches us to not run faster or labor more than we have strength or means.

Continue reading self-reliance-emergency-grab-and-go-binders

19 Unbeatable Deals You Can Only Find at Costco

Every time I get my Costco membership renewal notice in the mail, it’s these 19 items that keep me writing that $55/year check.  Read more  19-unbeatable-deals-you-can-only-find-at-costco

Constancy Amid Change

This is an address given in General Conference in 1979 by President N. Eldon Tanner of the First Presidency.  It is still relevant today.

During World War II, a member of the Quorum of the Twelve, Elder Albert E. Bowen, wrote a book compiled from a series of radio addresses, which he entitled Constancy amid Change (Salt Lake City: Deseret News Press, 1944). The messages of these talks were very timely. We were a world in conflict, and people the world over needed a message of certainty, assurance, and stability. 
Continue reading http://www.lds.org/ensign/1979/11/constancy-amid-change

Financial Readiness: As Critical as Fully Charged Batteries

Here are some thoughts from the FTC on Financial Readiness:

Home is where most people feel safe and comfortable. But sometimes — say, when a hurricane, flood, tornado, wildfire, or other disaster strikes — it’s safest to pack up and go to another location.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, says that when it comes to preparing for situations like weather emergencies, financial readiness is as important as a flashlight with fully charged batteries. Leaving your home can be stressful, but knowing that your financial documents are up-to-date, in one place, and portable can make a big difference at a tense time.

Here are some tips from the FTC for financial readiness in case of an emergency:

• Conduct a household inventory. Make a list of your possessions and document it with photos or a video. This could help if you are filing insurance claims. Keep one copy of your inventory in your home on a shelf in a lockable, fireproof file box; keep another in a safe deposit box or another secure location.
• Buy a lockable, fireproof file box. Place important documents in the box; keep the box in a secure, accessible location on a shelf in your home so that you can “grab it and go” if the need arises. Among the contents:
  • your household inventory
  • a list of emergency contacts, including family members who live outside your area
  • copies of current prescriptions
  • health insurance cards or information
  • policy numbers for auto, flood, renter’s, or homeowner’s insurance, and a list of telephone numbers of your insurance companies
  • copies of other important financial and family records — or notes about where they are — including deeds, titles, wills, birth and marriage certificates, passports, and relevant employee benefit and retirement documents. Except for wills, keep originals in a safe deposit box or some other location. If you have a will, ask your attorney to keep the
    original document.
  • a list of phone numbers or email addresses of your creditors, financial institutions, landlords, and utility companies (sewer, water, gas, electric, telephone, cable)
  • a list of bank, loan, credit card, mortgage, lease, debit and ATM, and investment account numbers
  • Social Security cards
  • backups of financial data you keep on your computer
  • an extra set of keys for your house and car
  • the key to your safe deposit box
  • a small amount of cash or traveler’s checks. ATMs or financial institutions may be closed.
• Consider renting a safe deposit box for storage of important documents. Original documents to store in a safe deposit box might include:
  • deeds, titles, and other ownership records for your home, autos, RVs, or boats
  • credit, lease, and other financial and payment agreements
  • birth certificates, naturalization papers, and Social Security cards
  • marriage license/divorce papers and child custody papers
  • passports and military papers (if you need these regularly, you could place the originals in your fireproof box and a copy in your safe deposit box)
  • appraisals of expensive jewelry and heirlooms
  • certificates for stocks, bonds, and other investments and retirement accounts
  • trust agreements
  • living wills, powers of attorney, and health care powers of attorney
  • insurance policies
  • home improvement records
  • household inventory documentation
  • a copy of your will
• Choose an out-of-town contact. Ask an out-of-town friend or relative to be the point of contact for your family, and make sure everyone in your family has the information. After some emergencies, it can be easier to make a long distance call than a local one.
• Update all your information. Review the contents of your household inventory, your fireproof box, safe deposit box, and the information for your out-of-town contact at least once a year

5 Tricks To Reduce Food Waste (And Save Money!)

When I open the refrigerator at the end of the week, my mood can turn sweet or sour. Either I get a feeling of immense pleasure and satisfaction when I see that I have used up almost all of the food I bought the previous weekend, or I feel disappointed with myself when I toss a head of broccoli that has turned brown into the compost bin or throw out salsa that grew mold before we finished it.

Read more reduce-food-waste-save-money

Cut Your Spending by $400 a Month

Did you know if you cut your spending by $13 a day, you’ll save $400 a month and $4800 a year! Pay attention to the little expenses because they really do add up.

Check out   http://www.thebudgetdiet.com/cut-your-spending-by-400-a-month   for 72 ways to cut your spending.


The tips come from The Budget Diet at   http://www.thebudgetdiet.com/what-is-the-budget-diet

15 Ways to Do Date Night on a Dime

Fun doesn’t have to equal lots of dollars. Check out these Nesties' date-night ideas! 
1. Go to the movies for cheap. There are ways to do movie dates on a budget: "Find second-run theaters. 

They cost about $2 per person per show. Or go to a matinee of a current movie." --SUE_SUE
2. Make it a lunch date. "Order from the lunch menu -- it's cheaper than dinner and the portions aren't that much smaller." --MATTESMAGIC
3. Go to a cooking class. "Go to Williams-Sonoma and attend one of their cooking demos." You'll have some new recipes to try instead of going to a restaurant, so you'll save even more money. --DARINGMISS
4. Rethink tool time. Cooking stores aren't the only places with free how-tos: "Hardware stores like Lowe's and The Home Depot have DIY seminars. You can both learn to fix things, and it's fun and free!" --QPIX
5. Make a reservation -- for dessert. "We go to our favorite ice-cream shop and get sundaes, then drive around town and get in some quiet time." --OSUWIFEY09
6. Have a Wii night. You've already invested in a Wii, now use it for date night. "We have date-night Wii tourneys and make some interesting bets to spice things up. Anything goes, from doing dishes to sexual favors!" --ENICLAIRD
7. Hit the links. "A really fun date is going to the golf course and playing just nine holes. I did that recently with my husband. Even if you guys aren't good, it's still fun." -- BRIGHTEYES888
8. Volunteer together. For a feel-great date: "Volunteer together somewhere. One of my favorites was volunteering for a local farm to harvest veggies that are then sold at ridiculously low prices to people in need. We had a blast and felt great about helping. Cost: gas money." --SPINCAT9
9. Step up to the plate. "My husband and I take a bat and a ball to a local school and play around." Get into it with knee-high socks, baseball hats or even your favorite team's jersey. --BRIDE2BNVA
10. Get crafty with your home improvements. Decorate and date! "My husband and I do silly, crafty things. For example: We'll go to A.C. Moore or Michaels craft store and buy things that we can make to decorate the outside of our house!" --KLASALA318
11. Go on a field trip. Soak up culture free of charge: "Our neighborhood library has free passes to local museums. You can check out the passes like a library book." --DARINGMISS
12. Read all about it. "If you look in any local paper, you can usually find an entertainment section full of cheap activities in the next few days." Stick to your own neighborhood so you won't have to use extra gas or waste travel time. --DERNIERMOT
13. Pack a picnic in the park. Pack a picnic basket: blanket, bottle of wine, cheese, fruit, etc. -- but be warned: "We did this once to be cheap, and ended up spending about $70. So, make sure it's an inexpensive bottle of wine and cheap cheese." --ANHG80
14. Take a staycation. You don't even have to leave the city limits: "We live in San Francisco, so we visit the Japanese Tea Garden and pack a lunch. You'll get to experience a little bit of another country right inside Golden Gate Park." --BRITTNEY
15. Have a theme night. "Schedule a theme dinner and movie night at home." Create a menu based on the movie you're watching (i.e., spaghetti for a Francis Ford Coppola flick) and make it together before watching. --MELLY_BELLIE


From the nest       http://ideas.thenest.com/love-and-sex-advice/anniversaries-dating-ideas/articles/date-night-on-a-dime.aspx

Practice Thrift and Frugality

The depression era saying of “Use it up, Wear it out, Make it do, or Do without” sums up the practice of Thrift. Living thriftily is not a popular concept in our “Staying up with the Jones’s” mentality, but the folly of that mentality is that if one thing goes wrong and your family slips into crisis, you will have to learn all about “Staying above water”. Living thriftily is a very simple, effective and immediate method to increase your spending power. Imagine being, instead of a consumer; a creator, a repairer, or simply abstaining. It is phenomenally financially wasteful to eat at restaurants on a regular basis, in addition to being typically un-healthy, it also takes away from time spent together as a family creating a personal dining experience at home, together. Thrift is a practice of not wasting anything including time and money.
Frugality dictates that we live within our means and “Waste not, want not”. It requires us to be prudent with how we spend our money and to cautiously and guardedly decide how to distribute it. Why do Americans work themselves so hard and as soon as the paycheck comes in, they throw it to the wind as quickly as they can – leaving them with no reserves, no safety and no peace? It is because we have come to accept abundance as our standard. We foolishly assure ourselves that there will be a check next pay period – which there normally is, until there is not. It is the high possibility that at some point something critical will happen in our lives that brings us to the conclusion that it is very likely that at some point, that check will not be there.
One massive waste that Americans have become very comfortable with is living on credit. We have become extremely complacent with our finances in this regard. Instead of doing without for a short time while we save, we finance everything and as a consequence, pay financing fees and interest that we somehow justify as necessary. It is not necessary that we ever pay financing fees or interest for anything, even a house, if we are willing to be prudent. Instant gratification is the bane of thrift and frugality. We Americans have deceived ourselves into believing that we ‘deserve’ to live a better lifestyle than our parents (which took them a lifetime to achieve) – when in reality – we DESERVE to be secure and at peace in our lifestyle. It is ironic that as a society, we will dicker over $3,000 on a new vehicle and then finance it for 5 years – wherein we condemn ourselves to paying several times that in financing fees and interest.
What good have we done ourselves by shaving $3,000 of off $30,000 when we just finance it? If you’re willing to pay astronomical fees for the pleasure of immediate gratification, amortizing $3,000 does NOTHING to our monthly bill. A frugal person would take 3 years and save monthly as much as they would have paid out on their car payment with a little bonus savings here and there over time. In that short period of time they would accumulate enough cash that they could go into the car dealership and lay down a pile of $23,000 in cash and say they want to walk out with either their money or that $30,000 car. They’re going to walk out with the car because the dealer wants the instant gratification of the cash versus selling an amortized note at a discount.
Living a thrifty and frugal lifestyle is truly simple. Use it up. Wear it out. Make it Do. Do Without. Waste Not. These things lead us to not being left wanting when a crisis strikes our family. These two highly empowering tools not only give us the ability to build up our Standard of Living Insurance, they also bring an assured peace and allow us to live a truly abundant lifestyle where we are in control of our money instead being a slave to lenders.
A Prepper who successfully follows this principle for a few years will find themselves in a position where they are able to spend time not working without it affecting the family in an adverse manner.

Taken from the following web site: http://americanpreppersnetwork.com/the-five-principles-of-preparedness

Elder Hales - Becoming Provident Providers

This is a message from Elder Robert D. Hales on avoid debt, discern between needs and wants, and live close to God to be provident providers both spiritually and temporally. 








http://www.lds.org/ldsorg/v/index.jsp? autoplay=true&index=1&locale=0&sourceId=db627cdfa5e67210VgnVCM100000176f620a____&vgnextoid=bd163ca6e9aa3210VgnVCM1000003a94610aRCRD

12 Tips On How To Spend In A Recession

During an economic recession we might feel unsure of what is best to spend our money on. It seems that what has applied in the past has somehow changed. At a time when we need to know with greatest clarity how to manage our money, we feel uncertain.

Read more at http://www.providentliving.org.nz/how-to-spend-in-a-recession/

This article comes from a Ward Welfare Newsletter from New Zealand.

Labels: Budget, Family Finance, Finance, Ways to Save Money

Finances: Do you own them? Do they own you?

Learn to manage money before it manages you.  Quoting ONE FOR THE MONEY: Guide to Family Finance by Elder Marvin J. Ashton, " Financial peace of mind is not determined by how much we make, but how much we spend.  We live in a self-indulgent, me oriented, materialistic society.  It is said, self-discipline and self-restraint in money matters is more important than courses in accounting."  The key to financial peace is to budget.  Yes, a budget.  Know what you have, where you spend it, and how much you have 'left over'.  Track your spending; you might be surprised where it is going.  BE cautious in expenditures and follow the admonition.....Use it up.  Wear it out. Make it do, or...Do without.

Family Finance, Finance, Preparedness, Provident Living

Self Reliance: Beginning Food + Water Storage

While many of us may not experience a natural disaster in our lives, there are still many reasons to prepare now with emergency food and water storage. Loss of a job, economic crisis, dangerous weather conditions, and experiencing a homebound sickness are just some of them.

It can seem daunting to provide for your family in this way, but food storage blogger Valerie Albrechtsen breaks it down easily for us here:

Continue reading:  self-reliance-beginning-food-water-storage

5 Websites That Actually Pay You for Answering Questions

Online survey sites conduct research for big brands like Sony, Disney, and Samsung. When you sign up for any one of them, you’ll first have to fill out a questionnaire so they know if you fit the right demographic for a specific consumer study. If you fit the right demographic you’ll be invited to take a survey. And in return for your opinions, you’ll get rewarded with points that turn into cash and prizes—plus, you can feel good about knowing that your opinion is being used to influence the future of our country’s products.

Here’s the thing about taking online surveys—you can’t just start taking them. In fact, you’ll probably only get to take a couple a month from each site depending on your demographics. 

Continue Reading 5-websites-that-actually-pay-you-for-answering-questions

Spend More Money on What You Actually Want

Americans aren’t spending money on what we want, according to a recent Gallup poll.

Instead, we’re paying more and more for things like groceries, utilities and healthcare and less on fun stuff like travel and eating out. Bummer.

While you can’t control the fluctuating costs of health insurance or natural gas, you can figure out some smart alternatives for expensive budget items. Free up more money in these four areas of your life:

Continue reading http://name.everydollar.com/blog/spend-more-money-on-what-you-actually-want

Goals For Setting Priorities

Top 10 things to know when budgeting your money and setting financial priorities.

1. Narrow your objectives.
You probably won't be able to achieve every financial goal you've ever dreamed of. So identify your goals clearly and why they matter to you, and decide which are most important. By concentrating your efforts, you have a better chance of achieving what matters most.
2. Focus first on the goals that matter.
To accomplish primary goals, you will often need to put desirable but less important ones on the back burner.
3. Be prepared for conflicts.
Even worthy goals often conflict with one another. When faced with such a conflict, you should ask yourself questions like: Will one of the conflicting goals benefit more people than the other? Which goal will cause the greater harm if it is deferred?
4. Put time on your side.
The most important ally you have in reaching your goals is time. Money stashed in interest-earning savings accounts or invested in stocks and bonds grows and compounds. The more time you have, the more chance you have of success. Your age is a big factor - younger people (who have more time to build their nest egg) can invest differently than older ones. Generally, younger people can take greater risks than older people, given their longer investment horizon.
5. Choose carefully.

In drawing up your list of goals, you should look for things that will help you feel financially secure, happy or fulfilled. Some of the items that wind up on such lists include building an emergency fund, getting out of debt and paying kids' tuitions. Once you have your list together, you need to rank the items in order of importance (if you have trouble doing so, use the CNNMoney.com Prioritizer for help).

6. Include family members.
If you have a spouse or significant other, make sure that person is part of the goal-setting process. Children, too, should have some say in goals that affect them.
7. Start now.
The longer you wait to identify and begin working toward your goals, the more difficulty you'll have reaching them. And the longer you wait, the longer you postpone the advantage of compounding your money.
8. Sweat the big stuff.
Once you have prioritized your list of goals, keep your spending on course. Whenever you make a large payment for anything, ask yourself: "Is this taking me nearer to my primary goals - or leading me further away from them?" If a big expense doesn't get you closer to your goals, try to defer or reduce it. If taking a grand cruise steals money from your kids' college fund, maybe you should settle for a weekend getaway.
9. Don't sweat the small stuff.
Although this lesson encourages you to focus on big-ticket, long-range plans, most of life is lived in the here-and-now and most of what you spend will continue to be for daily expenses - including many that are simply for fun. That's OK - so long as your long-range needs are taken into consideration.
10. Be prepared for change.
Your needs and desires will change as you age, so you should probably reexamine your priorities at least every five years.

These tips come from Money magazine.

Help With Dinner

This web site allows you to enter what you have on hand and will give you some ideas for meals to fix.  http://www.myfridgefood.com/index.php

10 Steps to Making a Financial Budget

Learn how to budget by following these 10 steps on how to bring your spending under control.

1. Budgets are a necessary evil.
They're the only practical way to get a grip on your spending - and to make sure your money is being used the way you want it to be used.
2. Creating a budget generally requires three steps.
- Identify how you're spending money now.
- Evaluate your current spending and set goals that take into account your long-term financial objectives.
- Track your spending to make sure it stays within those guidelines.
3. Use software to save grief.
If you use a personal-finance program such as Quicken or Microsoft Money, the built-in budget-making tools can create your budget for you.
4. Don't drive yourself nuts.
One drawback of monitoring your spending by computer is that it encourages overzealous attention to detail. Once you determine which categories of spending can and should be cut (or expanded), concentrate on those categories and worry less about other aspects of your spending.
5. Watch out for cash leakage.
If withdrawals from the ATM machine evaporate from your pocket without apparent explanation, it's time to keep better records. In general, if you find yourself returning to the ATM more than once a week or so, you need to examine where that cash is going.
6. Spending beyond your limits is dangerous.
But if you do, you've got plenty of company. Government figures show that many households with total income of $50,000 or less are spending more than they bring in. This doesn't make you an automatic candidate for bankruptcy - but it's definitely a sign you need to make some serious spending cuts.
7. Beware of luxuries dressed up as necessities.
If your income doesn't cover your costs, then some of your spending is probably for luxuries - even if you've been considering them to be filling a real need.
8. Tithe yourself.
Aim to spend no more than 90% of your income. That way, you'll have the other 10% left to save for your big-picture items.
9. Don't count on windfalls.
When projecting the amount of money you can live on, don't include dollars that you can't be sure you'll receive, such as year-end bonuses, tax refunds or investment gains.
10. Beware of spending creep.
As your annual income climbs from raises, promotions and smart investing, don't start spending for luxuries until you're sure that you're staying ahead of inflation. It's better to use those income increases as an excuse to save more.

Another lesson from Money Magazine

The Envelope System Explained

The envelope system is certainly nothing new—it has been around for decades.

And yet many people still don’t know exactly how it works. Do you need to save up money to get started? Does every bill get paid with the envelope system? Can you work an envelope system online? And on and on.

How It Works

You don’t have to save up any money to start using the envelope system. It goes like this: Let’s say you have budgeted $500 a month for groceries.  Continue reading at www.daveramsey.com/blog/envelope-system-explained

5 Dangers to Consider When Pointing Your Home Security Cameras

Home security cameras are an important addition to any household, smart or otherwise, but they carry with them the risk of unauthorized access. You may have heard of cases in which security cameras from particular manufacturers have been hacked. These tools meant to make your life safer can be dangerous.

With this in mind, it is important to carefully consider where you position your security cameras, and what parts of your home you point them at. Keeping things secure is important, but so is maintaining your privacy.

Below we’ve compiled a list of five things you should consider regarding the privacy and safety of your household when pointing your security cameras. It’s amazing just how much information can be leaked!

Don’t Show Off Your Address

Potentially the most dangerous thing you can do is point a security camera directly at your door where a house number is displayed. All it takes is for a security cam hacker to check your IP address, identify the owner of that range (for instance, your ISP) and narrow down your location to find your home.

It’s bad enough that some stranger – who might be anywhere in the world – should be viewing your home. Giving them the information to find your full address invites a whole load of other trouble, and not just from prank deliveries. Would you like to let criminals know about all of the deliveries you’ve had from Amazon or Apple, while telling them where you live?

Avoid sharing your address on security cameras: make sure your house number is not in the shot.

“I’m Going Out Again…”

Another aspect of this is your daily routine. A casual hacker may move on from your security cam if they find that you’re home; a more seasoned criminal may spend a while observing your actions to establish your daily routine. Eventually, they may know it better than you do yourself.

Is this the sort of information you want a criminal to know? Of course not. But once you’re marked, it can be difficult to un-target yourself.

Vary your routine where possible, making it difficult for a hacker to establish your routine.

Is There Anyone Home?

Pointing a camera at your front door is a good idea to check who is at the door whether you’re home or not. But if someone else is viewing your front door camera, they’re going to know when you have gone out. And if you’ve been observed for long enough, they might even know how many people live in your home, and when the house is usually empty.

Similarly, if there’s a view of your driveway or any cars you owned, it won’t take long for a cam hacker to work out whether you’re at home or not.

So what do you do about this?

Employ light timers and other timed or remote-controlled smart home gear to create the illusion that someone is home.

Do You Have Enough Cameras?

Another problem presented by having your cameras hacked is that with too few cameras pointing at the property and not covering the perimeter, hackers may find that there is an uncovered entry route to your home.

This might come from a geographical anomaly, such as a small hill or tree or bush, or it might simply be a budgetary restriction. Either way, if a hacker can discover a “cold spot” that they can use to access your home without detection, then they will use it (or sell the information to someone closer to your location).

Ensure you have enough security cameras observing your property.

Smile, You’re On Your Own Candid Camera

The point of security cameras, Internet connected or otherwise, is to spot criminals attempting to intrude, not for them to see you at your most vulnerable. As a result, you shouldn’t be pointing external security cameras so that activity within the house is visible.

You might, for instance, find that your living room is within line of sight from a security camera, or worse still, a bedroom. It doesn’t matter if it’s your room or your child’s, it’s a very bad idea to present this visibility to criminals.

So far we’ve only looked at external cameras. Internal security cameras that get hacked could reveal all sorts of information, from catching a member of your household in the nude, to sharing personal and sexual habits that could be used by a blackmailer.

Avoid this by directing interior security cameras at doors and windows, and where possible avoiding bathrooms and bedrooms.

Keeping Your Security Cameras… Secure

It’s all very well highlighting these dangers and offering solutions, but ultimately what you need to do is ensure that your Internet security cameras are secure.Hacking security cameras is frighteningly simple for even amateur hackers.

Different options are available here, from ensuring that the camera’s firmware is fully up to date to ensuring your router is fully updated and the firewall enabled. You might even setup a hardware firewall.