My sister in-law is very creative and did a great job with his construction party!!
I'll let the pictures speak for themselves
Friday, December 9, 2011
Our Nephew turned 2
The weekend before Thanksgiving, we celebrated our nephew's 2nd birthday!!
My sister in-law is very creative and did a great job with his construction party!!
I'll let the pictures speak for themselves
My sister in-law is very creative and did a great job with his construction party!!
I'll let the pictures speak for themselves
Wednesday, December 7, 2011
Dry Skin?
Cold weather can mean dry skin. Combat dry skin with these
tips for healthy winter skin...
* For drier winter skin, a non-soap body wash is your
best bet.
This one is wonderful here.
* Although a steamy shower sounds great on a cool day, exposing skin to
water at 98.6 degrees and above can result in drier skin. Keep hot showers
under 5 minutes and remember to pat your skin dry.
* To get the full moisturizing effect of body lotions, apply them while your
skin is still damp. Check out this great moisturizer here.
This whole collection is great for getting rid of dry skin...
Intense Total Body Treatment
Help defy the signs of aging with the intensely hydrating BC Spa Body collection. Each product contains a complex of ingredients to help skin recapture its radiance. Experience soothing therapy for sore, tired muscles as you nourish and hydrate skin.
See my beautipage here.
tips for healthy winter skin...
* For drier winter skin, a non-soap body wash is your
best bet.
This one is wonderful here.
* Although a steamy shower sounds great on a cool day, exposing skin to
water at 98.6 degrees and above can result in drier skin. Keep hot showers
under 5 minutes and remember to pat your skin dry.
* To get the full moisturizing effect of body lotions, apply them while your
skin is still damp. Check out this great moisturizer here.
This whole collection is great for getting rid of dry skin...
Intense Total Body Treatment
Help defy the signs of aging with the intensely hydrating BC Spa Body collection. Each product contains a complex of ingredients to help skin recapture its radiance. Experience soothing therapy for sore, tired muscles as you nourish and hydrate skin.
See my beautipage here.
Monday, December 5, 2011
Financial Margin
Financial margin is something we all want and need in order to stay focused on the far more important things in our lives!
#1 – Reduce interest rates on existing debt
This escapes many people because the interest rate of debt is usually “out of sight –out of mind”, but it could very well be the greatest one step you could take to gain financial margin.
Joseph Sangl highly recommend using his free tool – the “Actual Cost of Debt calculator” to determine just how much your debt is costing you – be sure to find out your actual interest rates so that the numbers will be accurate.
Here are two areas I where I see people save tons of money by reducing their interest rates.
1.Mortgage Interest Rate For every $10,000 finances, a 1% reduction in interest rate will save $100. So if you have a $150,000 mortgage and could lower your interest rate by 1%, you will save $1,500 per year in interest – $125 per month! I encourage you to use CNN’s Refinance calculator to see what refinance deals would work best for you.
2.Credit Card Interest Rate This is where I typically see ridiculous interest rate charges that are simply not necessary! Consider $6,000 in credit card debt at
21.99%. That will result in interest charges of nearly $1,300 a year. This is why Joseph is such a fan of 0% Balance Transfer Credit Card offers and maintain a list of offers on this website. If that $6,000 of debt were moved to a 0% balance transfer credit card offer, that incredible amount of interest would actually be applied to debt reduction!
Here are other areas to look at – vehicle loans, medical debts, furniture loans, personal loans, payday loans, 401(k) loans, and any type of loan where interest is being charged.
#1 – Reduce interest rates on existing debt
This escapes many people because the interest rate of debt is usually “out of sight –out of mind”, but it could very well be the greatest one step you could take to gain financial margin.
Joseph Sangl highly recommend using his free tool – the “Actual Cost of Debt calculator” to determine just how much your debt is costing you – be sure to find out your actual interest rates so that the numbers will be accurate.
Here are two areas I where I see people save tons of money by reducing their interest rates.
1.Mortgage Interest Rate For every $10,000 finances, a 1% reduction in interest rate will save $100. So if you have a $150,000 mortgage and could lower your interest rate by 1%, you will save $1,500 per year in interest – $125 per month! I encourage you to use CNN’s Refinance calculator to see what refinance deals would work best for you.
2.Credit Card Interest Rate This is where I typically see ridiculous interest rate charges that are simply not necessary! Consider $6,000 in credit card debt at
21.99%. That will result in interest charges of nearly $1,300 a year. This is why Joseph is such a fan of 0% Balance Transfer Credit Card offers and maintain a list of offers on this website. If that $6,000 of debt were moved to a 0% balance transfer credit card offer, that incredible amount of interest would actually be applied to debt reduction!
Here are other areas to look at – vehicle loans, medical debts, furniture loans, personal loans, payday loans, 401(k) loans, and any type of loan where interest is being charged.
Friday, December 2, 2011
Thanksgiving
I hope everyone had a wonderful Thanksgiving last Thursday with their family!!!
I loved this idea from Pinterest my friend Addie shared with me.
T with our Thanksgiving Tree
T and I made it our own...
He did a great job drawing pictures of this he is thankful for. I am going to save these and look at them every year!!!
T's preschool and our church sang for our church Thanksgiving sermon. T did a great job. My parents, my in-laws and my grandmother came to watch!! We enjoyed a delicious dinner at Ma Fia's downtown so check it out if you are in town!!
T's class was assigned crackers and cheese for there Thanksgiving lunch. This is the max of my creativity...pumplin and leave cheese. T loved doing this!!
I am so thankful I work for myself and can set my own hours so that I don't miss things like T's Thanksgiving lunch.
Cute turkey cupcakes someone made
Aunt Kella and Mr. DJ came to enjoy the lunch too
T with some of his school friends
Our church has a wonderful program called Mom2Mom that meets once a month. This month we talked about forgiveness and sacrife. Our preacher's wife led the devotion and she is wonderful. Such a Godly woman. Then we made a wreath to have on our table for Thanksgiving!! Thanks to Mrs. Joan for helping with this task!! I love having real items in the house for decorations!!
I loved this idea from Pinterest my friend Addie shared with me.
T with our Thanksgiving Tree
T and I made it our own...
He did a great job drawing pictures of this he is thankful for. I am going to save these and look at them every year!!!
T's preschool and our church sang for our church Thanksgiving sermon. T did a great job. My parents, my in-laws and my grandmother came to watch!! We enjoyed a delicious dinner at Ma Fia's downtown so check it out if you are in town!!
T's class was assigned crackers and cheese for there Thanksgiving lunch. This is the max of my creativity...pumplin and leave cheese. T loved doing this!!
I am so thankful I work for myself and can set my own hours so that I don't miss things like T's Thanksgiving lunch.
Cute turkey cupcakes someone made
Aunt Kella and Mr. DJ came to enjoy the lunch too
T with some of his school friends
Our church has a wonderful program called Mom2Mom that meets once a month. This month we talked about forgiveness and sacrife. Our preacher's wife led the devotion and she is wonderful. Such a Godly woman. Then we made a wreath to have on our table for Thanksgiving!! Thanks to Mrs. Joan for helping with this task!! I love having real items in the house for decorations!!
Wednesday, November 30, 2011
Make Your Presence Known!!!
Check out this gorgeous packaging...
Look what it makes your lashes look like!!!
•Instantly illuminate your lashes with light-reflecting pearls.
•Nutrient-packed formula nourishes and conditions lashes.
•Chic black packaging with sparkling silver accents.
•Great for gift-giving!
I have only 3 LEFT and BeautiControl has already sold out of this product!!!
Great way to add a little bling to your eyes for Christmas parties!!
Check out other items in the here.
Look what it makes your lashes look like!!!
•Instantly illuminate your lashes with light-reflecting pearls.
•Nutrient-packed formula nourishes and conditions lashes.
•Chic black packaging with sparkling silver accents.
•Great for gift-giving!
I have only 3 LEFT and BeautiControl has already sold out of this product!!!
Great way to add a little bling to your eyes for Christmas parties!!
Check out other items in the here.
Monday, November 28, 2011
Cyber Monday
Are you Loving all the CYBER MONDAY DEALS?!?!
Here's another one to LOVE ♥
Shop online from My webpage now through Midnight and save an Extra 20% off your entire order!! Use promocode cyber20 at Checkout!
Enjoy the great Holiday Sales and the additional Savings :)
Go here to my Beautipage NOW!!!
Here's another one to LOVE ♥
Shop online from My webpage now through Midnight and save an Extra 20% off your entire order!! Use promocode cyber20 at Checkout!
Enjoy the great Holiday Sales and the additional Savings :)
Go here to my Beautipage NOW!!!
More info from Joseph Sangl
We are continuing in this series of “Top 5 Ways To Gain Financial Margin” and this next part takes a little while, but it is SO WORTH IT!
#2 – Eliminate Debt
Most people have no idea just how much of their monthly income goes to service debt. They have the obvious debt payments for their car or furniture, but they also have loans that are automatically paid via on-line bill-pay services or through payroll automatic deduction.
Do YOU know how much of your money is being sent to a lender each month? If you have debt, I recommend that you stop right now and add it up. The car, credit cards, student loans, 401(k) loan, furniture debt, personal debt owed to another person, and the house. Seriously, use this tool to add up how much you owe total and the amount of money you are paying to the lender each and every month.
NOW – consider what life would be like if you were debt free. ALL of that money would now be available to you to pursue so many other things and dreams. You could bless your family and so many others in need. And … you could breathe more easily.
Even just paying off a couple of debts can create substantial financial margin and breathing room.
#2 – Eliminate Debt
Most people have no idea just how much of their monthly income goes to service debt. They have the obvious debt payments for their car or furniture, but they also have loans that are automatically paid via on-line bill-pay services or through payroll automatic deduction.
Do YOU know how much of your money is being sent to a lender each month? If you have debt, I recommend that you stop right now and add it up. The car, credit cards, student loans, 401(k) loan, furniture debt, personal debt owed to another person, and the house. Seriously, use this tool to add up how much you owe total and the amount of money you are paying to the lender each and every month.
NOW – consider what life would be like if you were debt free. ALL of that money would now be available to you to pursue so many other things and dreams. You could bless your family and so many others in need. And … you could breathe more easily.
Even just paying off a couple of debts can create substantial financial margin and breathing room.
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