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When and How to Say, “No”

I hear the phrase all the time, “You need to learn how to say no” (I think women hear this a lot). Yet, I didn’t know when to say no. I didn’t have any kind of objective guide so I just kept on saying, “Yes”, and “Ok”, and continued to pile responsibilities on myself. Many

How to Avoid Debt

People who make a lot of money, and I mean A LOT of money are not always financially rich. I once heard about a plastic surgeon that was very well known. He had a huge practice and specialized in a high-net worth or celebrity clientele. He had a few mansions, a private jet and a

Gift Buying Guide for Indecisive Recipients

Have you ever asked someone what they wanted for Christmas (or their Birthday), only to have them say something like, “Oh nothing” or, “I don’t know” or, “Anything you want to give me”? What I  decide to do is to give gifts that relate to their hobbies. This is a gift guide for anyone who is

You May Have Unclaimed Money at Your State’s Unclaimed-Property-Division and not even know it.

Did you know that each state has an Unclaimed Property Division where millions of dollars are sent to be held on to until the recipient contacts the division? The Utah Unclaimed Property Division websites says this, “Each year, millions of dollars in bank accounts, stock certificates, checks, insurance checks, bonds and dividends are turned over

The Easy to Build Kit for the Worst of Times… Your Proven 72 Hour Survival Kit!

Recently, with the frigid temperatures, 51 car pile ups, people stranded in gorges over night in sub zero temperatures, etc., it is more important than ever to be prepared! If you are traveling anywhere this winter you will want survival items with you. These 72 Hour Survival Kits may be useful not only for you, but

Delicious Beef Stew

Lots of people love this stew. One day an old coworker of mine saw it and commented that it looked like the stew her grandma used to make. The next day, I sent some to her and she was so happy to finally find a stew that tasted just like her grandma’s. Don’t get discouraged when

D.I.Y. Flower Centerpiece

Being the frugal gal I am, it is rare for me to have a centerpiece full of fresh flowers and real cranberries. Yet, I couldn’t pass up the opportunity when I realized this arrangement would cost me $2.50. ($4.50 if I had to buy the vase and dish, which I didn’t) and it only took me

27 Neighbor Gifts in 27 Minutes

This Christmas I was able to assemble my neighbors’ Christmas gifts in 27 minutes. (I did not include the shopping time). Not only was I able to completely assemble these gifts in under half an hour, they only cost an average of $1.47 cents each! That is 27 gifts for $39.42!! * Note (esp to

3 Simple Ways to Keep Christ in Christmas

  1. Serve others. Christ’s every action and decision was based on the welfare of others. He thought not of Himself but of His Father in Heaven, His brothers and sisters, and the eternal nature of His calling. He sacrificed not only His very body and life, but each and every moment He lived, and

Why, “You Can’t Do It All” is Actually A Compliment

The other day I was stressed out. I had a birthday party to plan, Christmas to decorate for, a big family dinner to help make, a service project I had volunteered for, shopping to get done, cleaning, and a host of other day to day activities going on. And someone said, “You can’t do it all…And

Easy D.I.Y. $3.50 Wreath

I made this wreath (which I think is pretty cute) for $3.50 in about 30 minutes. You can make a $3.50 wreath too, with these 3 simple steps: #1- Buy an old wreath from a thrift store (I got mine for $1.50) and take off the old decorations/things on it. If you have an old

How To Decorate Your Christmas Tree Like a Pro.

This Christmas we donated a tree to the Festival of Trees. It is a non-profit charity that donates all the money raised to the Primary Children’s Hospital. The trees are sold and need to look as professionally-decorated as possible. Many decorate using a theme and others just decorate based on color schemes. This year we did

Christmas Tree Ornament Guide

Ornament Guide:  For the first 8 feet of a Christmas tree, each foot needs at least 12 medium/standard sized ornaments per foot totaling: 2 foot= 24 ornaments 3 foot= 36 ornaments. 4 foot= 48 ornaments. 5 foot= 60 ornaments. 6 foot= 72 ornaments. 7 foot= 84 ornaments. 8 foot= 96 ornaments. As the tree grows

9 Easy Ways to Maximize Your Money and TIME This Week-Black Friday

Black Friday can result in huge savings for many needed items and gifts. To shop the week of Black Friday and Cyber Monday and to maximize your money and time  follow these 9 steps. Before you get started make a list of what you want and need to buy. Download the Ibotta app and then go to BlackFriday.com.

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