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HOLIDAY ADVERTISING OPPORTUNITIES
Holiday Advertising Opportunities
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2007 Holiday season!
1.
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2.
Dot Com Women
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during the Holiday season.
3.
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Halloween Website Advertising - Advertise on
leading Halloween portal Celebrating-Halloween.com.
5.
Thanksgiving Website Advertising - Advertise on
leading Thanksgiving portal Celebrating-Thanksgiving.com.
HOME BUDGETING
No Fret Family Budget
For some, the idea of
a budget is often a blur. It is frustrating to see how hard it is to
do a budget and realizing that with one wrong purchase, you can
actually ruin the entire thing. And this has been a perennial
headache for most homemakers.
It is about time to overhaul the way people look at budgeting. It
can actually be a great way to keep track of your family's
expenditures and help you evaluate the things that you spend the
lion's share of the family's earnings on.
What is a budget? A budget is a tool for handling your finances by
controlling the family's expenditures in a way that money is enough
for paying up bills, and still ensuring that savings are set aside
for future expenses - vacations, or children's education, or even
for retirement.
Try these simple steps in preparing a no fret family budget, and see
the benefits of intelligent spending.
1. Gather three months of your pay stubs and get your average
monthly earnings.
2. Get out three months of your monthly bills. Do this for the fixed
expenses like the rent, phone bill, car payments and other loans
that come monthly. Add them up and get the average. Do the same for
other expenses like groceries, and credit card bills.
3. Evaluate the results of your computations. Looking at your
average monthly earnings against your monthly fixed expenses and
other monthly expenses, think of some ways to economize. Cut back on
some items that are somehow unnecessary.
4. Knowing the facts of your income and expenses, develop a family
budget and try to stick to this monthly budget.
5. Now that you have a monthly budget, set up a savings account.
Save up by making regular deposits to this account.
6. Keep track of this monthly family budget just to see if it is
working for you. Try to fine-tune the "rough edges" of this budget
as you go along.
7. If you can get hold of a personal budgeting software or
spreadsheet application to keep record of your budget, the better.
This will make organizing your expenses very easy.
These are the basic steps in developing and implementing a no fret,
easy to stick to monthly family budget. Of course each family has
diverse needs and wants. You have the freedom to develop your own
monthly family budget, depending on your family’s financial
background and needs. No matter how you do it, just focus on the end
result, which is building a savings that leads to a bright and
financially stable future for your family.
Find more
advice on finance and investing at
http://www.MyFinancialHelper.com.
RECIPES
Croutons Garlic
50g bread cut into small cubes
1 tablespoon olive oil
Preheat oven to gas mark 4 350?F (180?C).
Spoon the oil on to a small baking sheet along with a crushed
clove of garlic then spread it out evenly with the back of a
tablespoon.
Arrange the cubes of bread on the sheet and turn them over in the
oil so that they can soak it up and get a good coating.
Bake them in the oven for 10 minutes or until crisp and golden
brown.
Serves 4
BACK TO SCHOOL
Reading Activities
In a world that is slowly but surely turning away from books and
getting glued to monitors or television screens, the importance of
developing a passion for reading cannot be overlooked. Reading is a
habit and should be established when the child is relatively young.
What can you do to foster this habit?
Enroll your child for reading classes:
There are many well structured after school reading classes that aim
to draw the children to books. They help kids with diction, idioms
and phrases. For young children, these classes can be fun with
animated characters and pictures. Illustrated picture books, rhymes,
silly songs and pretend stories all attract the young child. Use
creativity to capture the child's vivid imagination.
Pique your child's interest:
If your child has a favorite character, pick a series of books that
features this character. For my son, it was Spiderman. Thanks to
friendly neighborhood spidey, my son latched on to comics fairly
early in his childhood.
Build a home-library:
A skill like reading cannot be learnt in isolation. Do not leave all
the hard work to the after school program. Pick up books that you
think your child will like. The Internet is also a rich resource of
reading games that will attract little children to the fine art of
reading.
For more Back to School tips and ideas, please visit
http://www.ItsSchoolTime.com.
GARDENING
Choosing the Best Plants for your Garden
Many times we buy plants on impulse then find there is nowhere
in the garden that really suits them. Before buying plants
carefully examine your garden to see how much sun and shade it
gets, whether the soil is well drained or waterlogged and
whether your aspect is sheltered or windswept. You'll then be
equipped to go and buy the best plants for your situation;
shade-loving plants for the sheltered areas, sun-lovers for the
warm spots, drought-resistant plants for the parched areas which
may be either sunny or shaded, and swamp plants for the
poorly-drained parts.
But wait! Test your soil first, to determine the pH level of
your soil and what kind of nutrients you need to add, if any. Is
the soil acid or alkaline? Most plants prefer soil that is
slightly acidic, but there are some that must have alkaline soil
to grow. You can alter the soil's pH level, but it's much easier
to simply plant for the soil you have.
Now you are ready to plant. Well - almost. Will you plant in
groups or singly? If you buy 'one of everything' your garden may
seem rather spotty. Group plantings are organized, harmonious
and you can vary the color for interest.
Before planting out, place your chosen plants around the garden
bed in their pots to see how they will look. Re-arrange them
until you are satisfied. Grouping plants in sets of threes or
fives usually looks better than planting in groups of even
numbers. Be sure that you have an interesting combination of
colors and textures of plants. Tall plants should go to the
back, or the centre if your garden will be viewed equally from
all sides. Try to keep your plants away from trees. The roots of
trees are fiercely competitive and will steal all the nutrients
and moisture meant for your flowers.
The right color scheme is one way to maintain the harmony in
your garden. Imagine the color of the flowers when they are in
bloom. Some colors may clash with others, but can still be
planted side-by-side if they have a different blooming season.
Foliage color is also important. Many flower plants have silver,
grey or purplish foliage that is just as attractive as the
flower. This means that they are still attractive well past the
blooming season and so have added value.
For more Gardening tips and advice, visit
http://www.MyKindaLiving.com.
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