Thursday, April 17, 2014

Clean Your Computer Keyboard and Screen - Daily Task

Today in our Daily To Do Series is the day to clean your computer screen and keyboard. Mine gets really bad especially when we eat around the keyboard and crumbs get everywhere. I searched for the easiest way to do this and you can read how Heloise suggests to do this at Good Housekeeping.

This task shouldn't take very long. I hope you will come back each day to see what the next task is to get your home cleaner and more organized while saving time and money. The tasks will be basic and not take very long.

Monday, April 7, 2014

A Recipe Called More

This is an unusual name for a recipe. It is called this because when you eat the first serving you want "More". This is from an old recipe collection from an estate sale in Oregon. It is a newspaper clipping.

More

1 pound hamburger
1 medium onion, chopped
1 tablespoon fat
2 cups macaroni, cooked
3 cups canned tomatoes
1 package frozen peas
1/4 pound process cheese, cubed
salt and pepper to taste
shake of garlic salt

Brown hamburger and onion in fat. Combine all ingredients. Separate the peas but they do not have to be cooked. Pour into oiled casserole dish and bake 1 hour at 325 degrees. If mixture gets too thick, add a little water.

Friday, March 28, 2014

6 Easter Recipe Articles

Easter articles I have written on the Yahoo Contributor Network. I would love for you to add me to your favorites if you enjoy my articles and then you will be alerted when I publish any new ones.

How to Make an Easter Basket Cake
Two Easy Dessert Recipes for Easter Dinner
Cinnamon Rolls for Easter Morning
How to Color and Decorate Easter Eggs
How to Make Marshmallow Easter Treats
Easy Easter Desserts

Graphic from www.designedtoat.com

Saturday, February 8, 2014

6 Rewards Programs to Earn Gift Cards

Rewards programs can earn you some great gift cards or merchandise depending on what you choose as your reward. I usually prefer gift cards and then I can get more of what I want.
This would be a great way to earn gift cards for Christmas and birthdays. I have earned several restaurant cards for my husbands birthday and our anniversary using My points.

You will find many reward programs out there but here are my favorites:

Swagbucks.com - This is a search site that I use to search through and I can win swagbucks and I save them to earn gift cards. I have earned them free from Amazon and from Wal-Mart. It is an easy program to use. You can do searches, print coupons, watch videos and take surveys to earn the points. You can get an Amazon gift card for 450 swagbucks at the time of this writing.

Mypoints.com - I love this one. I earn points by shopping through their links and I also earn points by clicking on the emails that is sent to me and for searching and for printing coupons and using them on groceries. I have earned several cards to Outback restaurant by doing this. I am trying to save my points all year in 2014 to get gift cards for Christmas this year.

Kellogg's Family Rewards - This is a great one to use if you purchase a lot of Kelloggs products. You can also find several free codes they pass along on their face book page and through their emails.

My Coke Rewards - If you drink coke products save all those codes and you can get some great merchandise free. I have received free cokes and magazine subscriptions through them before.

Pampers Gifts to Grow - This is a great program even if you do not have babies. You can still get codes with baby wipes if you use those and free codes are offered very often from them.

Recycle Bank - You can earn points through their website by reading, learning and taking action. I use this site to get most of my magazine subscriptions for free.

Wednesday, January 22, 2014

Granola Balls

These are easy and healthy snacks. I like them and so does my son. They are very filling and better for you than chips or candy

Granola Balls

1 cup oats
1/2 cup peanut butter
1/3 cup honey
1/4 cup chocolate chips
1 teaspoon vanilla

Mix all ingredients together and shape into small balls and store in fridge.

Tip - I think these would also be good to replace the chocolate chips with pecans or some other type of nuts.

Monday, January 20, 2014

7 Personal Finance Tips for the Newly Employed

 7 Personal Finance Tips for the Newly Employed

Starting your first job is the best time to develop effective personal finance habits - habits that will greatly improve the odds of having a life of abundance and security. Good habits and practices are no more challenging to put into place than poor ones. So, now is the time to take control of your financial future.

The following habits have been proven to improve the odds of financial success:

1. Enroll in your company's 401(k) right away. It's astounding how much money you can save if you get started early. If you get enrolled before your first paycheck arrives, you'll never know what you're missing.

  • It would be difficult to find one middle aged or older person that wouldn't agree with this advice 110%. Aim for a minimum of 10%
2. Start an emergency fund. The typical advice is to have enough set aside to pay all your bills for at least 3 months. This money will prove invaluable sooner or later, whether it's to fix a broken car, pay your bills between jobs, or escape a bad relationship. You'll sleep easier at night, too.
3. Avoid or pay down debt. If you're not in debt yet, stay that way. If you are in debt, now is the time to get work on getting rid of it. Debt has a habit of getting worse over time.
  • Develop a plan and stick to it. It will never be easier to get rid of than it is right now.
4. Stay on top of your credit score. Some sites, like www.creditkarma.com, provide free scores. You can also get one free report each year from each of the three primary credit-reporting agencies. At the very least, go over your report each year and have the errors removed.
  • The primary factors in your credit score are your debt-to-credit ratio and your payment history. Avoid using more than 30% of your available credit and pay your bills on time, every time. It's that simple.
5. Get organized. There are many things you can do to get organized. Your finances will be much more manageable. Set up a separate email account just for your bills and banking statements. It will be much harder to overlook or misplace anything this way.
  • Set up calendar alerts for your important financial dates. These are things like your rent or mortgage payment and other recurring bills.
6. Create and follow a budget. Your budget provides a framework for your financial life. If you stay within that framework, it's difficult to have financial challenges.
  • A good guideline is to put 50% of your income towards rent, food, transportation, and utilities. Put 20% towards savings and paying down any debt. The remaining 30% can be used for your lifestyle items. These are things like vacations, dining out, and non-essential shopping.

7. Take advantage of automated savings. Nearly everyone makes the mistake of trying to save whatever money is left over at the end of the month. There's never anything left over.
  • The secret is to never have that money where you can spend it easily. Have 10% or more of your paycheck sent to a separate account than the money used for paying bills. This can be a savings or brokerage account.
As you can see, none of the suggestions is particularly challenging. Having a great financial life is the result of taking positive action consistently. Get started on the right foot and put these suggestions into play as soon as possible.