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    <title type="text">Hypnobudgets: Life... On a Budget</title>
    <subtitle type="text">Hypnobudgets: Life... On a Budget:</subtitle>
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    <updated>2008-12-29T18:33:47Z</updated>
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    <entry>
      <title>New years ....... Traditional traditions</title>
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      <id>tag:freecreditfixes.com,2008:index.php/hypnobudgets/11.939</id>
      <published>2008-12-29T18:21:46Z</published>
      <updated>2008-12-29T18:33:47Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>It’s that time again. This year I’ve got a whole long list of resolutions. That’s right. New years is just two days away. I’ve got my list. Do you have yours? If you are like more than half of all American’s the answer is no. 
</p> <p> Only 40-45% of all American’s make New Years Resolutions. I had some success last years so I’m willing to try this year. Besides, with such a long list I’ve got a good shot at keep some of them, right?</p>

<p>So what are my chances? Here are the statistics that I could find on how well people kept their resolutions:<br />
- After the first week: 75%<br />
- After 2 weeks: 71%<br />
- Beyond one month: 64%<br />
- Beyond 6 months: 46%</p>

<p>That’s not bad. But 80% or so say they will fail. We plan to fail. I’m one of them. I have already said it. Perhaps a self fulfilling prophecy? I wonder what the statistics are in relation to the number of resolutions one has. I have twelve. What are my chances of keeping my top four most important to me ones? Or the two I think are the easiest? Perhaps I can keep them all. I didn’t make them over the top impossible. No three hours a day in the gym with the membership I’m about to buy. I KNOW I won’t do that. Simple things that are absolutely doable such as take one walk a week. Simple things that for whatever reason I am not now doing. Read at least one book a month. Why haven’t I done that? I will find the time to do it in the new year. Its not too much.&nbsp; Sure, not all of them are that easy. Some will take some time to get into the habit of. But really, I haven’t set any mind-boggling-way-out-never-gonna-happen resolutions. So why do I tell myself I won’t keep my resolutions? Maybe that is also part of our new years traditions?&nbsp; </p>

<p> So maybe it’s time for some new traditions. What about the rest of the world? What do they do?</p>

<p>In the Netherlands they burn they Christmas trees and let off fireworks to drive out the old year and ring in the new. Simple and fun. <br />
 
At the announcement of the Persian new year, Norouz, which is the exact moment of spring all member of the family kiss each other. A pray for health and happiness may be read. A special meal is prepared.&nbsp; The main part includes a special rice made with herbs called sabzi polo, special fish and kuku sabzi, a quiche made with herbs.<br />
 
From day 1 - 12 of the New Year people visit with each other. Usually older relatives first. Children receive Eidi, money, as a New Years gift. On the 13th day everyone goes on a picnic. It is considered unlucky to stay home on the 13th day. </p>

<p>In Switzerland people celebrate Old Sylvester’s Day on the 13th of January according to the Julian calendar. People dress in costumes and hats and walk through the streets representing good and evil spirits. A drop of cream on the floor was said to bring ‘overflowing abundance’ for the year. </p>

<p>In India the New Year is called Diwali. It is a festival of lights. Its celebrated in different ways in different parts of the country. In northern India it is celebrated for three days at the end of October and early November when houses are decorated with small oil lamp on their rooftops, window ledges and pathways. This is thought to replace evil with good.</p>

<p>Diwali marks the end of the year so people try to finish up incomplete work and pay off old debts. They buy new account books and get them blessed. Those who can afford it buy new things for their homes and businesses and new clothes. </p>

<p>In India they also make resolutions. I don’t know what their success rate is. </p>

<p>In Kerala, southern India, mothers put gifts, food and flowers on trays and lead their children, eyes covered, to them, as a surprise. </p>

<p>In Gujarat, lights are the beginning of the New Year. </p>

<p>The Austrian New Years Eve is call Sylvesterbend, the eve of St. Sylvester. A punch of cinnamon, sugar and red wine is served, mortars are fired, midnight mass is attended, trumpets are blown and kisses exchanged. In larger cities there are also fireworks. New Years Eve also begins their carnival season, Fasching, that lasts until lent.</p>

<p>On New Years morning mass is attended. Children sing carols, door to door. Soothsayers read bleigiessen, molten lead poured into buckets of water and formed into shapes, and make predictions based on their shapes. </p>

<p>New Years Day dinner is a big deal. There is a suckling pig, symbolizing good luck. The table is often decorated with mini pigs made of marzipan, maple sugar, fudge, cookie dough or chocolate. Another symbol is the four leaf clover. Sometimes green peppermint ice cream is served in it’s shape. </p>

<p>Pork and carp are considered good luck foods. Good luck symbols, Glucksbringer, chocolate and marzipan shaped like pigs, coins, four leaf clovers and horse shoes, are exchanged.</p>

<p>In Brazil on New Years Eve a local voodoo cult priestess, dressed in blue and white performs a ceremony dedicated to the goddess of water. In Rio De Janeiro a sacrificial boat laden with flowers, candles and jewelry is pushed out to sea. </p>

<p>Because lentils are believe to be a sign of wealth, they are served on New Years day in a soup or with rice</p>

<p>So, don’t set resolutions, or just ready for a change? Plenty of traditions to choose from. Maybe exchange a Glucksbringer(little dots over the u that I can’t make my computer make) or how about making some sabzi polo to celebrate the Persian new year, which will be the 21st of March? Remember to have a picnic thirteen days later. How about some Lentil Soup for breakfast on New Years Day? Whatever you do, don’t burn your Christmas tree in the middle of the street. </p>



<p><a href="http://allrecipes.com/Recipe/Persian-Sabzi-Polo-Herb-Rice-with-Fava-Beans/Detail.aspx" title="recipe">Sabzi Polo</a></p>

<p><a href="http://allrecipes.com/Recipe/Lentil-Soup/Detail.aspx" title="recipe">Lentil Soup</a></p>

<p><br />
More traditions can be found <a href="http://www.fathertimes.net/traditions.htm" title="here.">here.</a><br />
Statistics taken from <a href="http://www.1888pressrelease.com/new-website-makes-debut-one-million-resolutions-a-site-tha-pr-3y3kp7b68.html" title="this">this</a> article.
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Public Transportation: Learning to ride</title>
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      <id>tag:freecreditfixes.com,2008:index.php/hypnobudgets/11.915</id>
      <published>2008-12-21T19:08:38Z</published>
      <updated>2008-12-21T20:19:38Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Simplicity"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/simplicity/"
        label="Simplicity" />
      <category term="General"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/General-2/"
        label="General" />
      <category term="time"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/time/"
        label="time" />
      <content type="html"><![CDATA[
        <p>Eight years ago I moved to Salt Lake with very little. My son, my computer and my car. The rest of what I had fit in my car. Clothing. Nothing else. That was it. Six months later we still hadn’t accumulated much more. So it was a devastating loss when the car broke down that last time. With no money to fix it I had to let it go. My only option was public transportation. 
</p> <p>1700 miles from family and friends, only six months in my new chosen home I had to learn the ropes of a new  system in a new town all on my own. Eight years later I still have no car, but I am a pro at getting  around town. And I’ve seen a lot. </p>

<p>The price had gone up as all things do. But surprise, surprise, it will be going down for a change. The ‘fuel surcharge’ will be revoked. Well, if, big IF, gas prices stay low through the month. Cross your fingers for us. We are at $2.25 a ride. I really didn’t think they’d lower the cost even though gas went down and technically they didn’t.&nbsp; They are just dropping the ‘fuel surcharges’ and then in April will raise the fare to compensate for the 7% decrease in budget due to the economy. Still. We will come out a quarter lower than we are at now. And I still have better service here than I had in Des Moines or Northern Kentucky. </p>

<p>Riding the bus has its ups and downs. Most rides are uneventful. You get on. Say hi to the driver. Sit there. Maybe read your book or the paper. Maybe daydream. I stare out the window. Pull the bell. Say thank you as you exit. Everything goes as expected.</p>

<p>Other times it’s not so easy or pleasant. Sometimes the bus smells like pee. It’s just a fact of life. I’m not too good to ride a bus that smells like pee. It’s not pleasant but we do what gotta do. I doubt that the individual that peed in that seat  or smelled of pee chooses to be that way. I can’t tell you why he or she does that but I’m sure there is a heart breaking reason behind it I can’t begin to know. I can cut them some slack. And count my blessings.</p>

<p>Unlike the lady (or man) with three times too much perfume (or cologne) sitting two seats ahead of me. Well I take that back. I’m sure they have their their issues too that drive their excessive use of toiletries. Maybe they are trying to cover cover up the pee smell they imagine will jump on them while they ride the bus. Or, more likely, they played ‘ink a bink a bottle of ink’ too many times when they were a child and now believe they stink, not because they are dirty, not because they are clean. So they cover it up. Please.&nbsp; It’s a child’s a rhyme. Get over it. And lay off the smellgoods </p>

<p>When you’re not overtaken with smells there’s sometimes plenty to listen to when you don’t want to. Some people just want to be heard by everyone. Usually younger people. The two teenage boys for instance. They could not help but talk about about sex with their girlfriends. The one went on and on about sex with his girlfriend. How she could not get enough because of how big his … um …. Member was. And how he could get her to do anything he wanted because he was so big. Gotta love teenage boys, right? There were just a few of us in the rear of the bus. But one older gentleman felt the need to chime in. In all seriousness he says “Enjoy it while you can boys, it shrinks when you get older. Mine is the size of my pinky finger now.” I wanted to turn around and see if they were as pale as their silence indicated as this man went on and on about his urologist and how it started to shrink in his late thirties, but I was too busy trying not to laugh too loudly. A few stops later and he pulled the bell and was off.&nbsp; To the urologist no doubt. </p>

<p>Then there was the guy, mid twenties I’d say, that “was late because I had to change pants because I shit myself”. Fortunately  for him it looked like a mustard stain or so he said. He went on about it for twenty minutes. How proud he was. Fun times!</p>

<p>Cell phones are another story. I can only hear one side of the conversation. And because I can’t hear both sides doesn’t mean it is a private conversation. You are in public. Don’t want me and everyone else to know you lost your kids to CPS? Don’t talk about it on the bus where everyone of us can hear you.&nbsp; It’s much easier to say “mom I’m on the bus I’ll call you back” than it is to expect the seventeen people in the rear of the bus to magically NOT hear you complain how unfair CPS is. Stating “do you mind, its private will not, in reality, make any phone call on the bus a private one. </p>

<p>The funniest thing I have ever seen, and surely some of you won’t find it funny, may even be offended, was the drunken masturbator. We were riding along. I believe it was a Sunday like today. Going to Kmart. I forget now what I was in search of. Getting on you could tell he was drunk. The smell was unmistakable. Harmless enough though. Probably riding the bus to get out of the cold, I thought. This was in the late fall, early winter (do I have a good memory or what? For some things anyway). So we’re riding along. He doesn’t whip it out so much as he undoes his pants a little bit and sticks his hand down there and starts going at it. They are bagging pants but you can still see the party going on. </p>

<p>The bus driver is shocked. Completely. Stops the bus. Demands he stops. He looks at the driver but doesn’t stop. The driver is unsure what to do. Tells him to stop again or he’ll call the police. This time he stops. The bus driver tells him to get off the bus. He begs to stay on. Driver says no way. Off he goes of the cops come. Out out out. So off the guy goes with some very loud very very vulgar obscenities. The driver calls it all in to central control and we fill out incident cards and we are on our way to Kmart once more. All in all a very interesting ride. </p>

<p>So you see, riding the bus can be very entertaining. And leave you with some excellent stories to tell your friends. But mostly riding the bus is uneventful and goes just as planned. No big deal except to save you gas money and the aggravation of commuting, gridlock and road rage. </p>


      ]]></content>
    </entry>

    <entry>
      <title>Keeping Kats Kool</title>
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      <id>tag:freecreditfixes.com,2008:index.php/hypnobudgets/11.702</id>
      <published>2008-07-04T22:59:00Z</published>
      <updated>2008-07-05T00:22:17Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes.&nbsp; Its supposed to be 102F here today.&nbsp; That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?</p>

 <p>From what I can tell from my cats they do stay cool. Though it is a mystery to me how. I have yet to turn the ac on. I simply cannot afford to this early in the year. We are all set for a cool down starting tomorrow so I’m not too worried. And they seem to know what to do for themselves. They stay in the bathroom, laying on the tile, behind the toilet, up against the cool porcelain and in the bathtub.&nbsp; When it starts to cool down, and it does get cool here at night, downright cold, they come out and stay on the balcony.</p>

<p> I’ve tried batting ice with them, they were unimpressed. I’ve tried frozen peas. I got a yawn.&nbsp; I’ve watched them like a hawk on a few days while I was home and was a bit horrified when they didn’t drink any water during the day. So just exactly how are they keeping cool. I did the only thing I could do. I looked it up on the internets. Here’s what I learned.</p>

<p>It seems they groom themselves more so in the hotter months so that the saliva can evaporate and cool them down, though I have not seen my cats do this. Perhaps it is a secret bathroom ritual I’m not invited to. However, if the air temperature matches or exceeds body temperature (100.5 - 102.5) then that method fails and cats are left with only rapid breathing, another method I have not seen my cats use, to cool themselves down.&nbsp; Cats have sweat glands only in their tongues and the pads on their feet, which would explain the constant laying around all day they seem to be doing.&nbsp; Who knew their laziness would pay off. Perhaps I can quit worrying a bit. </p>

<p>The risk of heat stroke in cats, as with dogs, rises as the temperature rises. NEVER leave any pet in a hot car, even for a short time. Some breeds of cats , short nosed ones, Persians, are more vulnerable and should be watched more closely as the temperatures rise. Also, young and old cats, obese cats and cats with air way disease as well.&nbsp; One of my cats is obese. </p>



<p>Signs or heat stroke in cats include:<br />
Fast and frantic noisy breathing <br />
A bright red tongue<br />
Vomiting <br />
Unsteady walking/ staggering <br />
Diarrhea, possibly with blood <br />
Pale blue or gray lips<br />
Salivating(thick)<br />
Weakness<br />
Anxiety<br />
Dizziness<br />
Muscle tremors<br />
Lethargy<br />
Bleeding from the nose<br />
Coma <br />
Death</p>

<p><br />
Some more tips to avoid to help kitty stay cool…..<br />
 
Always ensure your cat has access to cool clean water. Maybe add an ice cube as the water warms up.</p>

<p>Avoid strenuous activity in hot weather. Let them be lazy. My cats are masters at this, year round. </p>

<p>If you can, keep your cats inside during the hottest, brightest parts of the day, ten am to about four pm.</p>

<p>If you can, keep your cats inside the house on especially hot days and run the air conditioner or fan.</p>

<p>Provide your cats with shade, indoors or out.</p>

<p><br />
If your cat has mild heat exhaustion (temperature 104) you can treat him or her at home. Here’s how to take a pets temperature :</p>

<p>A cat’s temperature can be taken with a lubricated thermometer gently inserted into the rectum for about a minute. Lift the cat’s tail up at the base and insert the small thermometer, then wipe it clean before reading. Only take a cat’s temperature in this way if you are confident about handling and the procedure.<br />
<a href="http://www.freecreditfixes.com/index.php?URL=http%3A%2F%2Fwww.catfactfiles.com%2Fwhat-is-the-temperature-of-a-healthy-cat%2F">http://www.catfactfiles.com/what-is-the-temperature-of-a-healthy-cat/</a></p>

<p><br />
If your cats temperature is 104 that indicates that the heat stroke is mild. There are some things you can do. Wrap him or her in a wet towel until the temperature returns to normal. Stop cooling at that point or you could cause hypothermia. You can also apply alcohol to the pads of the feet to help evaporation, and bring the temperature down. If you have a fan, place the cat in front of the fan, maybe put a bowl of bowl of water with ice in between the cat and the fan for added cooling. Help the cat drink some water by encouraging them with a few drops on your finger rubbed on their lips. My cats will sometimes drink a few drops this way. </p>

<p>If their temperature is 105 or more, call the vet. If they have any of the more severe warning signs, call the vet. Do not hesitate to call a vet if you are worried. </p>

<p>&nbsp;</p>

<p><br />
With all this heat kitties deserve a good treat……</p>

<p>&nbsp;</p>

<p>Ingredients:<br />
1/2 cup canned mackerel, drained<br />
1 cup whole-grain bread crumbs<br />
1 tablespoon vegetable oil<br />
1 egg, beaten<br />
1/2 teaspoon brewer&#8217;s yeast, optional</p>

<p>&nbsp;</p>

<p>Preheat oven to  350F</p>

<p>In a medium-size bowl, mash the mackerel with a fork into tiny pieces. Combine it with the remaining ingredients and mix well. Drop mixture by 1/4 teaspoonful onto a greased cookie sheet. Bake for 8 minutes. Cool to room temperature and store in an airtight container in the refrigerator.</p>

<p>&nbsp;</p>

<p>Soft Cat Treats</p>

<p>Ingredients:<br />
3/4 cup white flour<br />
3/4 cup shredded cheddar cheese<br />
5 tablespoons grated Parmesan cheese<br />
1/4 cup plain yogurt or sour cream<br />
1/4 cup cornmeal</p>

<p><br />
Preheat oven to 350F</p>

<p>Combine cheeses and yogurt. Add flour and cornmeal. </p>

<p>Knead dough into a ball and roll to 1/4 inch. Cut into one inch sized pieces and place on greased cookie sheet. </p>

<p>Bake for 25 minutes.</p>

<p><br />
Moist Catnip Treats (Can Be FROZEN  <img src="http://www.arinsattic.com/images/smileys/grin.gif" width="19" height="19" alt="grin" style="border:0;" /> )</p>

<p>½ pound ground meat<br />
1/4 cup grated carrot<br />
1 tablespoon shredded cheese<br />
1 teaspoon active dry yeast<br />
1 teaspoon dried catnip<br />
½ cup bread crumbs<br />
1 large egg, beaten<br />
1 tablespoon tomato paste</p>

<p>Preheat the oven to 350 degrees, and lightly grease a cookie sheet. In a large bowl, mix together the first six ingredients. Lastly, blend in the tomato paste and beaten egg. Roll the meat mixture into small balls, and bake them for approximately 15 minutes or until they are firm and lightly browned. Allow the cat treats to cool completely on a wire rack, and store them in the refrigerator. These cat treats may also be frozen.</p>

<p><br />
<a href="http://www.cdkitchen.com/recipes/cat/1231/0.shtml" title="kittie foods">more cat treat recipes</a></p>

<p><a href="http://www.associatedcontent.com/article/35548/homemade_cat_treat_recipes.html?page=2" title="even more recipes">even more recipes</a></p>

<p><a href="http://www.hsus.org/pets/pet_care/cat_care/" title="more on caring for you cats">more on caring for you cats</a></p>

<p>&nbsp;</p>
      ]]></content>
    </entry>

    <entry>
      <title>Burrito Madness!!!!!!!</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/burrito_madness/" />
      <id>tag:freecreditfixes.com,2008:index.php/hypnobudgets/11.688</id>
      <published>2008-06-20T17:25:00Z</published>
      <updated>2008-06-24T10:13:19Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <category term="Meals"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/meals/"
        label="Meals" />
      <content type="html"><![CDATA[
        <p>What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal. 
</p> <p>Burritos are also kid friendly and easy to eat. In many cases, they freeze well and can be reheated fairly quickly with a microwave to save time.&nbsp; Overall, a good choice for busy people.</p>

<p>So what is a burrito really? Nothing more than a tortilla warped around a filling.</p>

<p>The history of the burrito is quite a long one. Here’s a snippet: In the sixteenth century the Aztec people of Mexico used tortillas made of more than just corn, but also squash and amaranth to wrap around food such as mushrooms, avocados and tomatoes In the 1840s southwest America, northwest Mexico gold miners used tortillas to wrap spiced meats.</p>

<p>These days the burrito is pretty much the same thing. Tortilla wrapped around a filling. The only difference is we have more variety of tortillas and fillings to choose from, so what kind of tortilla and what kind of filling is entirely up to you. Meat is probably the most popular American filling. But let&#8217;s not stop there. There are many cheap, healthy fillings that you probably never would have thought of. You won&#8217;t like them all.&nbsp; But maybe you will stumble onto a new favorite or an old classic combination that’s just taken on new life in burrito form. </p>

<p>Here are some filling ideas…. And remember, your burrito doesn’t have to be hot. You can heat the tortilla for easier for folding, then chill after its filled and folded. </p>

<p>Chicken salad<br />
Bean salad<br />
Salad salad (I really like this with raspberry vinegrette)<br />
Peanut butter and jam (roll it up instead of folding it)<br />
Apple pie filling for a dessert burrito<br />
Pasta salad<br />
Leftover stirfry (rice, veggies and whatever was in it)<br />
Stirfry veggies (mushrooms, peppers, onions, ect.)<br />
Rice and beans (the obvious)<br />
Chicken and salsa<br />
Scrambled eggs with veggies (breakfast burritos have become pretty popular)<br />
Turkey and cranberry sauce (leftovers from Thanksgiving)<br />
Lunch meat with cheese and lettuce tomato, onion or whatever you put on a sandwich<br />
BLT <br />
Mashed sweet potatoes with a little sugar and cinnamon and crushed walnuts (sweet)<br />
Sweet potato and black bean filling<br />
Corn, tomato and avocado salad<br />
Egg salad<br />
Hummus with veggies<br />
Black beans, corn and avocado<br />
‘Sloppy Joe’ mix<br />
Sprouts, lettuce, onion, cucumber, dressing<br />
Potatoes and cheese<br />
Bbq (chicken or beef or whatever)<br />
Spinach mushroom and cheese</p>

<p>Remember to mix it up a bit. Try different beans and brown rice, or better yet, a different type of grain than you are used to. Barley and black beans, for instance, may seem strange but might be really good. (I haven’t tried it.) Tastes vary so what you like will different than what I like and these are just a few of the many, many combination out there. Some will be healthier than others, and some you will like better than others. Don’t be afraid to experiment. </p>

<p><a href="http://mexicanfood.about.com/od/techniques/ss/burritofold.htm" title="How to fold a burrito">How to fold a burrito</a></p>

<p><b>Artichoke Breakfast Burrito Recipe</b><br />
<i>Makes 4 to 8 Servings</i></p>

<p>1/2 pound bulk Italian sausage,crumbled<br />
2 tablespoons olive oil<br />
1/2 cup chopped onion<br />
1 clove garlic, minced<br />
1 jalapeno, seeded and minced<br />
1 large tomato, diced<br />
2 cups trimmed, cooked and diced artichoke hearts<br />
Salt and pepper, to taste<br />
3 large eggs<br />
8 medium flour tortillas<br />
2 cups grated Monterey Jack and/or cheddar cheese</p>

<p><br />
In a skillet over medium heat, cook sausage until done; drain grease. Add<br />
olive oil to sausage. Add onion, garlic and jalapeno; cook until onion is<br />
soft. Add tomatoes and artichokes; cook, stirring occasionally, for 3-4<br />
minutes. Season with salt and pepper. Add eggs and cook, stirring, until<br />
eggs are done.</p>

<p>Heat tortillas (on a griddle, if possible). Fill middle of each tortilla<br />
with artichoke mixture. Sprinkle with cheese. Fold in ends, then roll up<br />
tortilla.</p>

<p><br />
<b>Cherry Dessert Burritos</b><br />
<i>*A little more complicated</i></p>

<p>6 (6-inch) flour tortillas<br />
1 (4 serving) pkg. sugar free vanilla cook and serve pudding mix<br />
3/4 cup water<br />
1 1/2 cups cherries, no sugar added, (frozen, fresh or canned)<br />
1/2 tsp. almond extract<br />
1 tsp. cinnamon<br />
1 Tb. confectioners sugar</p>

<p>Preheat oven to 350 degrees. In medium saucepan combine pudding<br />
mix, water and cherries. Cook over medium heat until thick. Add red food<br />
coloring and almond extract. Mix well to combine. Remove from heat. Spray a<br />
large cookie sheet or jelly roll pan with butter-flavored cooking spray.<br />
Evenly divide cherry filling and place in center of each tortilla. Fold one edge<br />
over filling; roll tightly to opposite side. Place seam side down<br />
on cookie sheet. Spray top of each with butter-flavored cooking spray.<br />
Sprinkle with cinnamon. Bake 10-12 minutes. Quickly respray with butter<br />
flavored cooking spray after baking 5 minutes. Remove from oven and<br />
dust with confectioners sugar. Good served hot or cold. Serves 6</p>

<p><br />
<a href="http://www.massrecipes.com/cats/Burrito" title="Burrito recipes">Burrito recipes</a></p>

<p><a href="http://www.cookingcache.com/cat/mexican_recipes/burrito_recipes/default.aspx" title="More burrito recipes">More burrito recipes</a><br />
 </p>

<p><B>****PLEASE NOTE: I never make anything this fancy myself, I&#8217;m all about the simple and you can be too. Just use these as guide and cut them down to their most simple ingridients. Or come up with your own based on what you like and find in other recipes.****</B>
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Plasma Donation&#8212;&#45; Liquid Gold?</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/plasma_donation_liquid_gold/" />
      <id>tag:freecreditfixes.com,2008:index.php/hypnobudgets/11.633</id>
      <published>2008-05-10T18:38:00Z</published>
      <updated>2008-06-24T10:16:01Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <category term="Extra Income"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/extra_income/"
        label="Extra Income" />
      <content type="html"><![CDATA[
        <p>Plasma donation. I does it. </p>

 <p>That’s right, twice a week I donate my plasma. Not the most pleasant of ways to make $65 a week, but better than others.</p>

<p>&nbsp;  In 1914 the term ‘plasmaepheresis’ was coined by John Jacob Able. Greek for plasma meaning something molded and aphaeresis meaning taken away.</p>

<p>&nbsp;  In 1937 the first blood banks were established. In 1964 plasmaepheresis was introduced as a means of collecting plasma for fractionation, the separation process that allows you to isolate three or more components at a time.</p>

<p>&nbsp;  In 1966 the first European plasmaepheresis center opened.</p>

<p>&nbsp;  In 1972 aphaeresis was used to extract one cellular component and return the rest back to the donor. </p>

<p>&nbsp;  What can you expect should you venture into the world of plasma donation? First you must be cleared for donation. Identity and residence verification can be expected. Then you give an extensive medical history to the Medical Support staff. A short physical and pee in a cup and you are ready to go. This will also happen once a year, as time goes by. </p>

<p>&nbsp;  Once you are screened and cleared to donate you will be screened each time you come to the clinic. You will verify your name and donor number, be checked for cross donation at other centers and then screened for the day. That includes checking your hermitic rate (percentage of red blood cells), protein levels, blood pressure, temperature and then answer some standard questions about exposure to some diseases. </p>

<p>&nbsp;  After that you go to the donation floor and wait to be given a bed and hooked up. The donation floor might look a bit scary with many people all hooked up to machines and tubes and most watching a movie on one of the many flat screens that are suspended from the ceiling. Very Sci-Fi-ish. Last week I watched Pirates of the Caribbean Curse of the Black Pearl.</p>

<p>&nbsp;  Once you are given a bed you pick your arm, right or left and then wait while they set up the machine with all new components. Then they hook you up to the machine. Its much like getting blood drawn but with a slightly bigger needle and this time the needle will be left in for about 45 minutes or so. Sit back and watch part of a movie, maybe even half. </p>

<p>&nbsp;  Now you are all done. You can proceed to the payment window where you will be paid, $30 for the first donation of the week and $35 for your second donation in a weeks time. You can donated twice a week with at least one day in between. <br />
&nbsp;  Of course there are some precautions to take, as with everything. </p>

<p>&nbsp;  First : Hydrate! Water is now your bbf! The center will tell you to drink half a gallon the day before donation and half a gallon afterwards. I recommend this highly.<br />
&nbsp;  Second : Eat! The center says at least four hours before donation. I have to have it within two. </p>

<p>&nbsp;  These are the two things that allow me to donate without adverse effects. Especially eating. NEVER donate on an empty stomach. You WILL get sick. I know this from experience. Very sick. Lightheaded. Dizzy. Nauseous. Unable to sit up or stand up. This lasted three hours for me. </p>

<p>&nbsp;  This may sound scary but has only happened once in the two years that donated before and then again last week when I forgot how long it had been since I ate. When I hydrate and eat first I have no reactions except maybe a little dizzy for a few seconds. </p>

<p>&nbsp;  Really the risks are very minimal. Everything is sterilized and health standards and codes are followed at all times. Its nice and clean in the center, nothing like the stereotypes. </p>

<p>&nbsp;  There are a few other risks you should be aware of. Drop in blood pressure is the most common and easily remedied. An allergic reaction to some of the solutions used may also happen, this is more severe but also more rare. And, as I recently found out, there can be a ‘citrate reaction’ causing tingling in the fingers and around the mouth and also causing cramping. The citrate anticoagulant also binds to calcium and may lower your calcium levels. You might want to supplement. </p>

<p>&nbsp;  So what is my plasma used for?</p>

<p> “The plasma that is collected at your BioLife center is manufactured into a wide variety of life-saving products that benefit thousands of people everyday. Plasma is used in the treatment of serious disorders such as hemophilia and immune system deficiencies, and to make products used to help treat and prevent diseases like tetanus, rabies, measles, rubella and hepatitis B.</p>

<p>For example, those who suffer from certain forms of hemophilia lack or are deficient in the natural clotting factors that help stop bleeding after sustaining acute or other injuries. Plasma-based products are used to treat people with this disorder so that they may lead normal, active lives.</p>

<p>In addition, hospitals and emergency rooms all over the world use plasma-derived albumin in the treatment of traumatic injuries such as shock and severe burns.</p>

<p>It is important to remember that plasma is not a substance that can be produced in a laboratory or some other artificial environment.&nbsp; It can only be obtained from healthy adults.&nbsp; When you donate plasma, you are helping save lives. ( <a href="http://www.freecreditfixes.com/index.php?URL=http%3A%2F%2Fwww.plasmazentrum.at%2Fen%2Fplasma-learning-center%2Fhow-is-plasma.html">http://www.plasmazentrum.at/en/plasma-learning-center/how-is-plasma.html</a> )</p>

<p>&nbsp;  So there it is. Plasma donation. I think it needs to thought about very seriously before going for it. But my experience has been a positive one. I did need to take a two year break after two years of straight donation, but that was for an unrelated issue. I had an ovarian cyst among other things and needed surgery and time to get back on my feet. I have, on occasion, been deferred for too low hermitic rate and also for too low protein. They want everyone in optimal health at all times and will send you home if you don’t meet all the requirements for that day. This is rare for me. I’m pretty healthy and keep my hydrated and fed. All in all not a bad way to make some extra cash.</p>


      ]]></content>
    </entry>

    <entry>
      <title>Eating for One</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/eating_for_one/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.412</id>
      <published>2007-10-30T20:07:01Z</published>
      <updated>2008-06-24T10:18:03Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <category term="Meals"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/meals/"
        label="Meals" />
      <content type="html"><![CDATA[
        <p>Saving money as a single can be difficult. You’d think it wouldn’t be, since there is only one of you, but cooking for one can be more expensive and time intensive. And when you’re busy and tired you don’t want to spare that extra time. You end up living on prepared foods and take out. After all, who wants to cook for one? So how to save money in the biggest money waster: food? </p>

 <p>First you have to be willing to invest some time. How much will be up to you. One of the big money wasters is going to be lunch. Do you buy lunch at work every day? Or even once a week? It all adds up. Its much cheaper to bring your lunch, but that takes a little planning and possibly the investment of an insulated bag, thermos, reusable microwavable contains and everyday preparation of the food.</p>

<p>Some simple lunch ideas:</p>

<p><br />
Peanut butter and jam sandwich (you’re never too old)</p>

<p>Chili in the thermos and corn chips or small containers of cheese, sour cream or whatever topping you like.</p>

<p>Packets of instant oatmeal, a small container of nuts and some fruit.&nbsp; *you CAN make your own instant oatmeal. But the <br />
savings over a bought lunch would more than justify the cost of buying a convenience  product)*</p>

<p>A leftover baked potato and whatever toppings you like</p>

<p>Don’t forget to add some fruit to your meals, apples, pears and bananas are all easy to carry and store. </p>

<p>A can of soup, a microwave container and a can opener.&nbsp; Probably the most simple.</p>

<p>Cheese and crackers and fruit.</p>

<p>Frozen burrito *you can make these ahead and freeze them yourself. They aren’t as pretty but can be even tastier than store bought with everything you like in them. </p>

<p>Last night’s leftovers. </p>

<p>Any hot soups in a thermos. Fill the thermos with boiling water to heat it up first, then dump that out and add your hot foods. You could even put pasta with sauce in there if you don’t have a microwave at work. </p>

<p>Don’t forget to bring a drink If you have access to a refrigerator that’s great, if not make use of a thermos and/or insulated lunch sacks.&nbsp; There are packages of ‘shelf stable’ milk boxes, soy milk boxes and my favorite, almond milk boxes that you can take along and need no refrigeration. I cant drink them warm however, so I’d either need chocolate *and heat it up* or to chill them before hand. With things like peanut butter and jelly sandwiches and baked goods you can freeze them and by lunch time they should be thawed but still chilled. The same will work for water or tea in a reusable bottle. Just don’t fill them to the top, they need room to expand. </p>

<p>Be sure to add some sweets, maybe even extra so you don’t need to use a vending machine later. Bakes some brownies and as soon as they cool cut them up and wrap them and store them to take with you. *I say as soon as they are done because otherwise, if they are just sitting out I will eat them rather than save them, and I suspect I am not alone in this.* Do the same with cookies, though they don‘t need to be frozen. Freezing just helps me keep from eating them too quick and keep them from drying out too quickly.&nbsp; Frozen fudge is nice, and will melt in your mouth, but will thaw as well. I don’t know how this works for pie. Even bags of animal crackers can be a nice healthier alternative for snacking at work.</p>

<p><br />
This is only a small list of possibilities. What you can take for lunch and snacking at work is only limited by your tastes and imagination. Try new tastes, new dishes, new combos in old favorites. Don’t be afraid to freeze and microwave. </p>



<p>As for  dealing with the after word too-tired-to-cook, try to cook ahead. Or have precook ingredients on hand that you can just heat up into a fresh meal. For instance, some precooked rice and veggies reheat easily for a stir-fry. You’d probably add meat to that, but that too can be precooked and in the fridge ready to go. Just enough for one ‘fresh cooked’ meal at a time. Left over cooked rice can also very easily make rice pudding. I like hot brown rice for breakfast, with some sweetener and milk. Like oatmeal but chewier. it’s a nice change from the usual. I don’t particularly like precooked pasta, but its so quick that  it doesn’t take more then ten minutes (depending on the type) to cook, and in that time you can heat the sauce, a frozen veggie or two and even some garlic bread.&nbsp; </p>

<p>Equipment can save you time as well. Crock pots are great for having dinner ready when you get home. Don’t feel the need to limit yourself to just soup. They can cook potatoes, as well, while you are at work, for hot fresh baked potato for dinner. I do not have a pressure cooker, but I hear they are also wonderful for quickly cooking long cooking items like beans.&nbsp; If you eat a lot of beans and like to make them from dry this might be an investment you’d be interested in. </p>

<p>Remember, diet is tied to health and the healthier you can keep yourself with your own efforts the less health care you have to pay for later. With that in mind, there are many cheap alternatives and a few that are more expensive but are wroth it in the long run. Whole grain pasta, rather than white, is one of the more expensive, but worthy purchases. Make sure a box or two is in your cart. Home made sauce is a bit more time intensive but leaves out the excess oil and sugar of the store bought. Though the store bought jarred sauces can be healthy. Just read the labels. Brown rice over white rice is by far healthier. Both come in instant, though dry is probably healthier. Either dry or instant, brown rice is the superior choice. Dried or canned beans are also still a cheap healthy option.&nbsp; And there is no need to worry about ‘protein combining’ that’s no longer considered  necessary. So go for the rice and beans. Make extra, I’ve found that it freezes well and reheats nicely. Add peas to pasta and sauce for an extra kick of protein and an extra veggie.&nbsp; Peas are cheaper than meat, so this might be a good option when you are especially strapped. And a healthier alternative to mac’n’cheese, even with peas and tuna.&nbsp; Unless you were making that from scratch with real cheese and whole grain pasta. It does cost a little more than mac’n’cheese or ramen noodles or a can of speghettiO’s. In the long run it is worth it. </p>

<p>Remember, store bought is cheaper than takeout, and homemade is cheaper than store bought. But as cost goes down, time needed goes up. Its up to you to find a good balance.&nbsp; You don’t have to change all at once, give up all your outings to the local Chinese take-out in one go. Taper off slowly. Start slowly. Make a batch of brownies (remember the freezing individually trick to keep some for the next few days) for the week, and take one to work everyday.&nbsp; Make a crock pot soup (the simplest to make) one day the next week to have a healthy dinner to come home to. Freeze leftover that you wont eat in the next few days for a few weeks later.&nbsp; Take a sandwich to work for lunch a few times a week. The little things will start to add up and become habits. </p>

<p>If time is the issue, or you just hate to cook, go for the store bought convenience  foods over eating out. Make health a bigger priority than eating cheap and go ahead and buy those pre-chopped veggies, or prepared  sauces. Instant oatmeal and even dry cereal are still healthier cheaper alternatives than a donut  or Danish  from 7-11. Cereals like Chex can  even be eaten on the run without milk, as finger food. Most could be, but the smaller ones might be messier when going over a pot hole in the car. </p>

<p><br />
If nothing else, remember, your biggest food money waster is going to be eating out, usually at work. If you can cut that, even a little, you&#8217;re likely to see big savings at the end of the month.</p>

<p>&nbsp;</p>

<p>&nbsp;</p>

<p><u>Cheap Chili:</u><br />
Heat together one can of chopped tomatoes and one can of chili beans in sauce. Add one can of corn if you like. Spice with chili power or hot sauce, anything you have on hand. Eat.&nbsp;   *feel free to add all the extras you want, this is more of a base recipe, but is good as is. Cheap and easy too.</p>

<p>&nbsp;</p>

<p><U>Three ingredient peanut butter cookies:</U><br />
1 cup peanut butter <br />
1 cup white sugar <br />
1 egg </p>

<p>Mix ingredients together. Drop by spoonfuls on parchment paper lined baking sheets. Bake at 350F for 6 - 8 minutes. Do not overbake. Bottoms should be just brown. <br />
A little more time intensive but worth it. </p>

<p><U>Soda Cake:</u><br />
Combine one box cake mix with one can *12 oz* soda (dark soda for dark cakes, light for light. Though grape or strawberry or orange soda with white cake is fun)<br />
Bake according to package directions.&nbsp; <br />
Not so healthy, plenty simple, fairly cheap. 
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Winter: Turning the blues into pinks</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/winter_turning_the_blues_into_pinks/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.374</id>
      <published>2007-09-26T12:32:01Z</published>
      <updated>2008-06-24T10:20:08Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <category term="Health"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/health/"
        label="Health" />
      <category term="General"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/General-2/"
        label="General" />
      <content type="html"><![CDATA[
        <p>There’s snow on the mountain tops where I live already. Its getting too cold to wear sandals and I need a sweater. The dark will soon do me in. Its winter and these are all normal things, and for me and many people like me, so is the depression that will set in soon. The winter blues. 
</p> <p>Everyone gets down sometimes. And these tips can be useful to everyone. Whether they are just down or flat out depressed. SAD (Seasonal Affective Disorder; the winter blues) is characterized by excessive sleeping or eating with weight gain for the last two seasons. It effects up to 5% of the population. Somewhere between 60% and 90% of those with SAD are women. The cause of SAD is still unknown, but seems to be the lack of light. In many northern countries where they do not get sunlight for months on end the suicide rate is the highest in the world. While winter depression is the most common form of SAD there seems to be a summer depression as well, occurring during the summer months and trigger by the intense light and/or heat.&nbsp; We’ll get to summer SAD next may. ****If your symptoms are excessive or severe please see a doctor right away. These are just suggestions and tips but DO NOT replace good medical care and treatment by a professional.****</p>

<p>So what can we do about this? Depending on the severity of your depression there are many things that can be done, and most at low or no cost. <br />
 
The first is getting more light. Get as much natural light as you can during the day, every day. Take every opportunity that comes your way to be in the daylight. Have your eyes open and face the light, even through a window. Don’t stare at the sun, that’s not helpful. But do face the light as often as you can. I cannot stress that enough. If its possible go out into the sunlight, get some fresh air and go for a walk. But at least get some sunlight, even from inside, every single day. <br />
Some people still do not get enough and require light therapy. If extra sunlight is not enough for you DONOT hesitate to see a doctor about light therapy or even medication. Winter depression can be very mild or very, very severe. It should always be taken seriously. </p>

<p>Next is sleep. Its very important to keep to a good sleep pattern for so many reasons, but if you are suffering any kind of depression this becomes even more important. For myself it may well be a matter of life and death, I am so sensitive to both daylight and sleep. I have to regulate my exposure to both. Both too little and too much are bad for me. This may also be the case for you. </p>

<p>Vitamin D. Strong sunlight on your skin triggers the production of vitamin D. Depending on where you live, you aren’t going to get enough, even if you do spend enough time in the sun. The rays are just not strong enough at this time of year to trigger your body to produce it. Getting extra D isn’t such a bad idea. An extra glass of milk or two probably won’t hurt. Alternative milks are also fortified with D, not just cows milk. I like almond milk myself. I don’t know how much extra would be optimal for you. That’s something for you to discuss with your doctor. From WebMD:</p>

<blockquote><p>Vitamin D supplementation, shown in recent studies to help lower risk of certain cancers, multiple sclerosis, arthritis, and other conditions, may also relieve depression, according to new research.</p>

<p>Canadian researchers say the benefit of supplementation may come in creating stores of this vital vitamin in the bloodstream to carry people through the dreary months of winter, when a lack of sunlight may lead to or worsen mood disorders&#8212;most notably seasonal affective disorder, the aptly acronymed SAD that affects some 11 million Americans.</p></blockquote>

<p>Exercise is always mentioned in relation to helping treat just about everything. And depression is no different. Exercise outside in the sunlight if at all possible, and if not, then do so in front of a window. Face the light if you can. I realize that some people are too shy to exercise in front of an open window. I am one of them. I’m trying to get over that. But for me, this is just not realistic at the moment. If its not for you, don’t beat yourself up about it. Just accept that this is where you are right now, the exercise is still good and worth it, and try to get your extra sunlight at other times. Walking is an excellent form of exercise and is easy enough for almost everyone. Even if you just go out to the side walk, turn left (or right) and walk five minutes, then turn around and walk five minutes back. That’s a start. And its something you can do today.&nbsp;  </p>

<p>Fresh air. My apartments always get so stuffy and stale smelling. Not so bad since I quit smoking, but still stale. Some fresh air is always nice. When its too cold to open a window a short walk outside will sometimes do me. And of course I live across from two bakeries and a bagel shop. Not so helpful, those. But the fresh air is always nice.</p>

<p>For me, music is a great stimulant. Its third on my list of things I need to be healthy everyday. Sleep, light, and sound. I don’t like the tv, so music feels that stimulation gap nicely for me. I don’t know that this will work for you. For you the tv may be what you need to help you out. However, I find that external stimulation is a big thing for me. Light and sound. </p>

<p>I read a tip somewhere in the depression articles that it may be helpful to put your bedroom lights, if you can, on a timer set to go on half an hour before the alarm in order to help stimulate your body to wake up. I’m seriously considering trying this. And also, switching to the brighter “full spectrum” bulbs. I have some of those. I don’t know if they help or not, but the light is different and a bit better than regular bulbs. Its worth a try, and they aren’t too much more than the regular bulbs. </p>

<p>Proper nutrition is also a must-have for everyone. But when you are sick, its even more important. And one of the most important things you can do to prevent other illnesses. If cooking isn’t your thing, try a crock pot. They are pretty much a dump-cook-eat process. If its time, try cooking ahead when you have the time and freezing for when you don’t have the time. You might even want to trade with a single friend, or couple even, so you aren’t eating the same things so often. Cooking in bulk, like buying in bulk, is more effective. But who wants to eat chili for dinner four days a week for three weeks? Trade off with friends. You cook a big batch of something and they do too, then share it out. </p>

<p>How do you know if any of these things help? Try keeping a feelings diary. Each day record what you did, how long you did it, and how you felt before during and after. After a few weeks you should have an idea what works for you. And what doesn’t as well. </p>

<p>Remember, every little bit you can do helps you. Do what you can, and don’t beat yourself up for what you can’t do right now. You’ll get there. Life is not an all or nothing, win or lose game. Don’t try and play it like it is. Hopefully at least one of these will be helpful to you. And if it turns out none are, well, knowing that is also helpful. You can never have too much information about yourself.</p>

<p>Some useful links:<BR><br />
<a href="http://en.wikipedia.org/wiki/Light_therapy" title="What is light therapy?">What is light therapy?</a><BR><br />
<a href="http://www.webmd.com/depression/news/20040803/vitamin-d-ease-depression" title="Vitamin D benifits">Vitamin D benifits</a><BR><br />
<a href="http://www.healingfromdepression.com/faces.htm" title="More on depression">More on depression</a>
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Face to Facial ..... Good Skin, Homemade</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/face_to_facial_good_skin_homemade/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.364</id>
      <published>2007-09-18T02:09:00Z</published>
      <updated>2008-06-24T10:19:45Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <category term="Health"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/health/"
        label="Health" />
      <content type="html"><![CDATA[
        <p>I had to have a group photo taken today. I was not very happy about it. I declined the personal one. Its for a board that shows all the volunteers and other places they volunteer as well. So I went ahead and took the group shot even though I will never be able to look at it.</p>

<p>Among other things, I’m unhappy with my skin. 
</p> <p>And I didn’t have enough money to get a facial or even buy a product at the local drug store. While a product called “Yes to Carrots” looks interesting and is something I’d like to try, $14.99 is just too rich for my blood this week.&nbsp; I’ve managed to be broke with a week to go before my next check, again. I have some emergency money. And I don’t “NEED” anything, including a facial. So being broke is not such a big deal. Until its time to take a picture. I’m also very unhappy with the fading of my hair color. But again, not much to be done. I can, however, get the individual photo taken later. Thank you, Curtis.</p>

<p>So what’s to do? Well, there are home facials, that you can make yourself with food stuffs. Too bad for me I didn’t think of that in time for the photos. So I’ve looked up online many recipes. I’ll compile them here. I’ll give as much credit as I can to where they came from, but I think most are just the same basic recipes that have been around for a long time. Maybe they have tweeked the proportions. They are all probably worth a try, you never know what will work for you.</p>

<p><b>For the face:</b><br />
&nbsp; <br />
Honey:&nbsp; Place a warm washrag on your face for ten minutes to open the pores. Smear on honey, and leave on for 15 to 30 minutes. Rinse off with warm water, then use cold water to close the pores. Use once a week.</p>

<p>Avocado:&nbsp; Mash the meat of the avocado into a creamy texture. Massage into the face and neck . Leave on for 20 minutes and gently rinse off.</p>

<p>Lemon Juice : I remember reading in a book, about seven years ago, that lemon juice was a good astringent and also a good bleaching agent for the skin. I was very interested because I hate my freckles. It also said the same about pineapple juice and if I’m remembering right, all citrus fruits were supposed to do the same. But I wont swear to that, just the lemon and pineapple juices I remember were listed for sure.&nbsp; I never got around to trying it too much, life caught up and I just didn’t have the time or energy before I moved and forgot all about it. Until now. I think that recipe was lemon juice and yogurt. But I googled and found this : “ Squeeze half a lemon and mix the juice with one beaten egg white. Leave on your face overnight or, for a quick pick-me-up, just 15 minutes. Splash warm water on your face to rinse.”&nbsp; from healthrecipes.com </p>

<p>Also from healthrecipes.com:&nbsp;  Clay is available in powder form at any health food store. Mix 1 tablespoon dry clay with 1 egg yolk, 1/4 of a mashed avocado and enough witch hazel to create a smooth mixture. Mud dries excess sebum while the egg yolk and avocado replenish lost moisture. Witch hazel tones.</p>

<p>Oatmeal is a good exfoliation agent. Just be sure to grind it up to fine flour consistency. Usually I’ve seen it mixed with olive oil or yogurt or honey even. You could pick the one you like best and go for it. </p>

<p>Raw potato for the under eye circles is something I’ve seen listed a few times. And of course the cold tea bags. Those have never really worked for me. Might be time to try the good old potato.</p>

<p>Still at the healthrecipes.com site I found this oily skin mask recipe, and it sounded interesting :&nbsp;  Mix 1 tsp. brewer’s yeast with enough natural yogurt to make a thin mixture. Pat this thoroughly into all the oily areas and allow it to dry on the skin. After 15 - 20 minutes, rinse off with warm water, then cool water and blot dry.&nbsp; I’ve never seen yeast listed in a facial recipe before. </p>

<p><br />
<b>For Hair :</b></p>

<p>The ones I can name off the top of my head (&nbsp; :D  ):</p>

<p>Olive oil for conditioning, and also mayo.<br />
Vinegar for shine and build up.<br />
Egg for washing and conditioning.<br />
Baking soda for washing.</p>

<p>I really like the healthrecipes.com and this is one I hadn’t seen before that I plan on trying:</p>

<p>Combine mashed avocado with some coconut milk. Comb it through the hair and let sit for 10 -15 minutes, rinse out.&nbsp; I like avocado but usually cant use it all up before it goes bad. I figure between the hair and face recipes ill have enough left to make a mashed avo sandwich as well. Or so I hope.&nbsp; Not bad for the $2 it costs for an avocado these days. </p>

<p>My favorite body scrub that I haven’t done in many years was/is sugar mixed with oil, olive if you are feeling rich (most of us are NOT ) or mineral if you aren’t (this would be our category). I used baby oil. Something thicker would be nice, but I cant afford much more. That made a very nice scrub though. Most recipes say salt. I haven’t tried salt. I also haven&#8217;t tried it mixed in with body wash instead of oil, that was just suggested to me by Arin, of  <a href="http://www.freecreditfixes.com/" title="this site">Free Credit Fixes</a>. That probably smells really really good. So thats what I&#8217;ll be trying next.&nbsp; I’m assuming it will also work for dry skin on the feet as well, making for a very nice home pedicure.&nbsp;  </p>

<p>I don’t think we should all run out and buy some exotic ingredients we don’t normally buy, but with so many things to choose from, I’m sure we can all find at least one combo that will work for us, that we have on hand and is cheap and that will make us and our skin feel pampered. A lit scented candle, a bubble bath, some soft music and a facial is maybe just the thing when you have to have a group photo taken and you at least want to feel your best, if not look it. </p>


      ]]></content>
    </entry>

    <entry>
      <title>Emergency Lighting</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/emergency_lighting/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.326</id>
      <published>2007-09-05T11:29:00Z</published>
      <updated>2008-06-24T10:22:03Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Simplicity"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/simplicity/"
        label="Simplicity" />
      <category term="General"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/General-2/"
        label="General" />
      <content type="html"><![CDATA[
        <p><a href="http://www.hypnobird.com/images/art-gallery/emergency_lighting2_medium.jpg"><img src="http://www.hypnobird.com/images/art-gallery/emergency_lighting2_medium.jpg" height="120" class="inset-left" /></a>&nbsp; I’m writing this by candle light. The electric went out. Again. For the third time tonight and the second incident in a month. I have candles, but just small little votives, and only three of them. I am, of course, unprepared for this basic need. Light. 
</p> <p>Right now I think the Boy Scouts’ motto of “Always Be Prepared” is the most brilliant thing ever. But I wasn’t a boy scout. And so I’m unprepared tonight to keep myself from running into and over everything in a dark apartment. At least I have a lighter to light the candles. I keep one for lighting my incense, which I really need to do more often. As an ex-smoker I no longer know where my several different lighters are at all times. I just have two, and one I don’t know where it is. This one I was lucky enough to have found and been using to light incense recently to show off my new incense burners.&nbsp; Last time the electric went out, due to a transformer down the block blowing up, I learned the importance of keeping that lighter where I knew where to find it. Usually our blackouts don’t last that long, but we do have the.<br />
 
 So why am I, and we as a society, so unprepared for such basic needs? I wonder if the number of people that have extra batteries and/or adapters for their cell phones and notebooks  would  greatly outweigh the number of people that have candles and matches and flashlights with back up batteries. My guess is, it would. The basic disaster relief recommendation is three days worth of food and supplies. I know I don’t have that. Well, I might, but not the water or candles or matches. I have a lighter. It might not make it three days. <br />
 
What constitutes a ‘basic need’ when we are talking about being prepared? Food and water, shelter,&nbsp; heat, and light. Those are some basics we need to be able to know where to obtain in an emergency and preferable before we have that emergency.&nbsp; The first is food. I know missing a few days’ worth of meals wont hurt me. But we’re American’s , we gotta eat!! So some extra canned food can come in handy. And don’t for get to add a can opener and some utensils.&nbsp; Storage is something to keep in mind when stocking up for an emergency. Depending on the type of ‘disaster’, our needs will be different. Obviously extra ice cream will do us no good after the first night of no electricity in the middle of summer. Not that there would be any left after the first night. Canned and dried foods are the way to go. You might also want to keep some in your trunk, along with a can opener and some utensils. And bottled water. Probably at the top of everyone’s list is bottled water. And lots of it. Buy the case just in case. Now I have quite a few bottles of water in my fridge. They are recycled bottles though, not sealed up, so I don’t know if that would make a difference or not. Probably it would, but I really just don’t know.&nbsp; If you live in California and are earthquake prone you would also want to keep some extra dishes of the unbreakable variety, assuming that all your dishes will be broken in the earthquake. Also you will probably want a few weeks wroth of food and water. (maybe I’ve heard too many horror stories about earthquakes) Most of us won’t need that much, but best to “be prepared”<br />
 
When I was little we lived in Iowa. That’s just above Kansas, as I was aware of every year when “The Wizard of Oz” was on tv. I remember very vividly many, many times being rushed to the basement (as if I needed prompting at all) with the battery powered transistor radio.&nbsp;  I believe we even had a mattress down there. That was how we prepared. I was too young to know the difference between preparing for an event and the actual event. I just knew that basement with a radio or the bathtub with a mattress. I even  had fantasies of making friends with the tornado, inviting it in to play, as if it were another child, and then it wouldn’t hurt us. (Please. I was five.)<br />
&nbsp; <br />
Battery powered items and extra batteries should probably be on everyone’s list. At least one flashlight, a radio and extra batteries for them., because it will work fine until you need it. So best to “be prepared”. Here is something I didn’t think about until it happened to me, the phone.&nbsp; Without electricity, cordless phones, uncharged, wont work. Make sure you know how yours is powered. Just in case. These days having an extra battery for your cell phone may be all you need.&nbsp; While the radio used to be the all important item, you may be able to get news updates on your phone. I still don’t have one, though I am considering one.<br />
&nbsp; <br />
Most of the people I know that do have them have about midrange services and accessories. A few are just plain phones. All could probably receive text message updates at the least. Should those be needed. Or we could just make the information getting simple and just have an old fashioned battery powered radio. Which I have. But guess who is battery-less when its needed? Just guess. So radio and flashlight with appropriate batteries and back up batteries are a must. In my unprepared glory  I have neither. I do have a nifty pen that has a light in it. <br />
&nbsp;  &nbsp;   *If you live in Tornado Alley a mattress against the wall of the bathroom is also acceptable, especially if you are me. </p>

<p>&nbsp; <br />
Taking these extra preparedness items with you on a road trip could save your life. Perhaps that’s the one disaster we are all prone to, no matter what part of the country we live in. Just remember what can, and has, happened to people that have gotten lost and were unprepared for a sudden storm. The movie “Cujo” might be a bit graphic, but I think it is an excellent example of how the unexpected can take over on the most ordinary of trips. Being prepared for as much as you can, can go a long way to make your life less stressful when a disaster happens. Even if its just having candles and matches when the lights go out. <br />
&nbsp; <br />
One of my candles is almost completely gone, the other two won’t last long beyond that and the wind is starting to whip them around again. So, to recap, I am completely unprepared for the basic needs that arise when a simple late summer storm wrecks a little havoc on my neighborhood. When it comes to living more simply, being prepared is an excellent place to start. It can help keep your stress level down in a time of crisis, or even just aggravation at trying to write by candle light. 
</p>
      ]]></content>
    </entry>

    <entry>
      <title>I&#8217;ve had ENOUGH</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/ive_had_enough/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.279</id>
      <published>2007-07-31T21:18:01Z</published>
      <updated>2007-07-31T22:24:49Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Simplicity"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/simplicity/"
        label="Simplicity" />
      <content type="html"><![CDATA[
        <p><B>Enough: Lifestyle and financial panning for a simpler life.<br />
Betty Jane Wylie<br />
</B><BR><br />
Published in 1998 this book covers many subjects and is a fairly easy read. While it’s over all theme focus is on simplifying our increasingly chaotic lifestyles, it offers some sound budgeting and money saving strategies for every lifestyle. </p>

<p>
</p> <p>
While discussing consumption there is one quote she uses that sticks with me the most. “Nothing that costs only a dollar is worth having’&#8212;Elizabeth Arden. How many of use truly believe this? Maybe without even realizing that we do? Probably the majority. And that’s a great place to start. Our attitude towards life in general and our relationship with money. Where did the idea that bigger, more expensive products equaled better? Advertisements. The subtle and not so subtle message are aimed at us practically from the time we are born. Telling us that brand name is better. Trying to make us feel inferior or deprived if we don’t buy their often over priced items that we don’t really need and in far too many cases don’t’ even use after the first month or so. Advertisers spend big money thinking up new and subtle ways to try and make us believe we need their product and their brand. Breaking their hold on us and our idea that more is better is essential to simplifying our lives, and our expenses as well. </p>

<p>Once we begin to learn and believe that we are not deprived because we don’t have the newest most expensive products, that we aren’t bad or abusive parents if we don’t provide our children with so much stuff that they can’t appreciate any of it, let alone learn the value of a dollar, everything else will fall into place. Life is not a competition. It’s time for use to slow down and stop living as if it is. <br />
It takes time to come to that conclusion. And maybe a little longer to believe it completely. I’ve been taught to “Act as if” until it is. And so far that has worked for me. Perhaps if we put actions first, the belief that “less is more” will follow. Eventually we will be happier with less stuff. If we start consuming and spending less it may not be long before we aren’t just faking happy with our new lifestyle. Fake it till you make, a saying that works in almost ever situation. </p>

<p>Confused about where to start? Betty Jane Wylie offers some practical tips on how to not only consume less resources, but spend less money as well. One will almost always lead to the other so where you start doesn’t matter. Just that you start. </p>

<p>Packed with advice on everything from saving on funeral arrangements to ethical investing to easing into a simpler more frugal lifestyle, this book offers some baby steps to get us going. There are also a few sample work sheets for working out budgets and household expenses. </p>

<p>I will share my very favorite tip. It’s from the house cleaning section. Household organization and day to day cleaning of the little things is something I still struggle with, and probably always will. Here’s one tip I think I will try today. “take off your glasses so you can’t see the dust” And another tip we should all practice all the time, remember to laugh a little bit. <br />
<BR><br />
For getting started on the journey of simplicity the book <a href="http://www.amazon.com/Enough-Lifestyle-Financial-Planning-Simpler/dp/1896836186" title="Enough : Lifestyle and financial planning for a simpler life">Enough : Lifestyle and financial planning for a simpler life</a> by Betty Jane Wylie is a good starting point.
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Budgeting 101: The secret of the Envelopes</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/budgeting_101_the_secret_of_the_envelopes/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.266</id>
      <published>2007-07-22T19:43:01Z</published>
      <updated>2007-07-22T20:57:30Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <content type="html"><![CDATA[
        <p>It’s Sunday and I’m counting down the hours until I can pick up my check tomorrow and have money again. I planned poorly for paying my dental bill upfront and so this week has been much harder then it needed to be. I knew better too. Do you also sometimes have trouble covering bill, scrambling at the last minute to come up with the money? Living on oatmeal and Ramen Noodles for a week isn’t much fun. And yet we do this to ourselves over and over. 
</p> <p>At least we aren’t alone. <a href="http://www.careerbuilder.com/JobSeeker/careerbytes/CBArticle.aspx?articleID=622&amp;cbRecursionCnt=1&amp;cbsid=4686e44ceb9848e98374308c69c09624-238429090-X0-2" title="article">It is estimated that 40% of the population lives paycheck to paycheck</a>with very little, if anything at all, leftover after covering basic expenses. With little in savings and credit cards an all too convenient temptation to cover the basics, getting ourselves in deeper debt it may be time to try and change our ways a little bit. There is hope. It’s something called ‘the envelope method’ and I have personal experience that it does work. When I use it that is. I don’t know where it originated, or who used it first, but it sure can make life easier to manage for those us who aren’t in the <a href="http://www.forbes.com/2001/09/27/400.html" title="we can dream, and dream big!!">Forbes Four Hundred</a>. Although this method may not work for some, it does seem to work for most people that stick to it.</p>

<p>Its basically a cash payment system an envelope is used as the payee. Several envelopes. One for each basic need and anything you might need to save money for that isn’t an ongoing expense, for instance buying a new appliance or saving up for a vacation. </p>

<p>This is how it works. Look at how much each of your bills is each month and then divide that by how many paychecks you get each month, obviously either two or four. One each envelope write the bill to be paid, how much total you need to pay it and how much you need to pay from each paycheck to total that amount. This will be easier to do with bills that are the same amount every month. With bills that are variable each month it might be a good idea to look back at the last six months or so of that bill and try and get an average. Using that average you might overpay one month and under pay the next but even out in the end. Or overestimate, using your highest bill and then you could have a little extra money for the next month. Better yet, at the end of the month, any excess money from bills you overestimated can go into an envelope for something you don’t buy all that often like clothes or Christmas or birthday presents. I recently saved up for my teeth. Knowing my target date on the due date of payment (time services are rendered) I was able to see how much I need to save each week in order to have it all without having to scramble at the last minute.</p>

<p>This is how a few example bills might look. If you know you pay $70 for your phone each month and that you are going to spend $200 on school clothes four months from now, then you would put $70 in an envelope marked phone bill every two weeks ($17.50 every week). Then you would pay the ‘school clothes’ envelope $25 every two weeks ($12.50 for weekly). At the end of the month, or beginning of the next you will already have the money for those bills ready to go. But don’t forget that while you don’t have to scramble for those bills, you do need to keep adding to the envelope for the next month. When it’s time to buy school clothes you wont have to take it out of your check and wonder where you will get the money to eat that week, its already saved up.</p>

<p>Sounds easy and stress free, right? Here’s the hard part, because there’s always a hard part, DON’T TOUCHE THE MONEY IN THE ENVELOPES ONCE ITS IN THERE. And be sure to put it in there before you spend a single penny of it. The only reason to take out of the envelopes is for paying the stated bill you’ve written on the outside of that envelope. Once you have paid your envelope for that paycheck period put it somewhere you wont see it everyday. </p>

<p>Now I know that this is what a bank is for. But for many people, even with a bank account, they seem to be scrambling to pay whole bills out of each paycheck. That is a very stressful way to live. And usually leaves you broke for at least a couple of days before the next paycheck. I wont promise you that with this method you wont also be broke for a few days but having the money saved for each bill already means you wont have so much to worry about and will have more leftover from each paycheck because you won’t be taking such big chunks out. it’s the same amount of money, yes, but rearranged in how its spent can feel like more and leave you less stressed and maybe even with the ability to save a little each month.</p>

<p>I personally find this method the most helpful for saving up for things I don’t buy or pay for often and cost more then I can afford to pay at one time, like my dental bill. Not touching the money once it’s in the envelope is really the key to this method working well for you. Its all too easy to tell yourself that you’ll just put in more the next week to cover what you took out this week. But something always makes it hard to put it back once its spent elsewhere. Sticking to paying the envelope every week or two is also very important. My mistake with my teeth was that I saved up half and paid the other half in one lump sum, believing I’d be okay because I had some extra money coming. Well that extra money didn’t come on time, and now I’m broke. I counted on something that wasn’t a sure thing, so now I’m broke and eating oatmeal and noodle until Monday comes. These things happen. Nothing is foolproof, and even knowing that we shouldn’t count on that extra bonus money to come through to pay for our basic needs like food or rent doesn’t always stop us. The good news is that if we stick to the method, get back on the horse, we can catch up fairly painlessly and hopefully quickly. I only miscalculated one check and am only down on food and toiletries, because I did have the money to pay all the other bills on time. And that’s really the important thing. So if you find yourself not only having to eat the same basic meals at the end of the month but also worried about pay the rent next week and keeping the electric on, you might give this a try. That first month will be tight, but the next should be less stressful.&nbsp; </p>

<p>You can’t really put a price on peace of mind. And that is the secret of the envelopes. </p>

<p><a href="http://www.getfreesofts.com/soft/587/45538/Budget.html" title=":) something here might work for you">Free budgeting software to help you out</a>
</p>
      ]]></content>
    </entry>

    <entry>
      <title>The Wetness of Toes</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/the_wetness_of_toes/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.245</id>
      <published>2007-06-27T00:48:01Z</published>
      <updated>2007-06-27T09:29:19Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="General"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/General-2/"
        label="General" />
      <content type="html"><![CDATA[
        <p>&nbsp; When you think of summer what comes to mind? Lemonade? Watermelon? Picnics? Swimming pools? Icy frozen treats straight out of the freezer? Maybe running through a sprinkler in the wet grass? All things that will help cool you down. Face it. Summer is hot! Its part of what we love about summer and most of what we hate. </p>

<p>&nbsp; While I don’t know of any specific scientific data, it seems to me that being cool becomes more and more important as we get older. Do we just feel the heat more? Perhaps it is the lack of a three month summer vacation that makes us more aware of just how hot it is. Or the fact that most adult small talk centers on the weather. One of an increasing shrinking number of &#8216;safe&#8217; topics to discuss with strangers at the bus stop, it is nonetheless a constant reminder of just how hot (or cold, rainy, windy or snowy) it is. I don’t believe I ever once went up to a fellow third grader on the playground and inquired &#8220;So Stan. Is it hot enough for ya?&#8221; And I&#8217;m equally sure I never heard anyone else on the playground ask that question. </p>

 <p>As staying cool becomes more and more of a priority, no matter what the reason, we are now faced with a new delima. Keeping cool on the cheap. While most of us just use some form of electric air conditioning, there are many more things we can do to both decrease our energy cost and increase our lost pleasure of summer months. </p>

<p> One of the easiest ways to stay cool while conserving our own electric bill is to stay out of the house as much as possible. Go suck up someone else&#8217;s air conditioning.&nbsp; A long long  time ago I saw an episode of &#8220;Married with children&#8221; where the Bundy&#8217;s a/c is broken. So Al, in all his cheapness, moves his family into the local supermarket and sets up house. While I don&#8217;t suggest you go to that extreme, it is still the basic idea. Get out and stay out as long as you can.</p>

<p>&nbsp; So, if you aren’t staying at home, and want to stay cool where can you go, without paying for it? I start (and usually end) at the local library. It&#8217;s cool. It&#8217;s free. And more and more local libraries are offering more then just books. There are children&#8217;s story hours, book club meetings, how to classes, other community group and club meetings. My local library, which is fairly big, has a auditorium and frequently shows/hosts movies for free to the public. And there really isn&#8217;t anything wrong with just sitting in a comfy chair and reading for a few hours at the library. As long as you aren&#8217;t starting arguments or talking loudly they don&#8217;t kick you out. The library is a huge source for all sots of entertainment. If you aren’t a big reader, they usually have books on tape and cd, music cd&#8217;s of all kinds and video and dvds&#8217; of all sorts to loan out. TV&#8217;s shows, movies, documentaries and how-to&#8217;s on just about everything can be found at your local library. If they don’t have exactly what you are looking for, ask the librarian. Chances are, they can get it. </p>

<p>&nbsp; Another place to try might be museums. Not all museums are stuffy old buildings with little ventilation and pictures that make no sense to you. Look around for all sorts of different museums and then see if they have any type of lecture series going on, or demonstrations, or activities. Many do at low or no cost. If you have kids then children’s (obviously), natural history, and science museums will be your best bets. Remember to either pack a lunch, or eat before you go and take drinks with you.&nbsp;  Maybe pack some snacks in the car for the drive home so you wont be tempted to stop off for fast food.</p>

<p>&nbsp; Another well air conditioned place that you can spend large chunks of time (and cash, so be careful with this one) is the mall. The bigger the mall the more stores to look in and more time you can quite effortlessly kill. If you enjoy window shopping or people watching this is a great escape for you. Just remember to leave your cash, checkbook and credit and debit cards at home. Bring your own drink, or at most, just enough cash to get a few drinks. And many malls have more then just stores these days. I&#8217;ve seen quite a few community performances at malls, fashion shows, Christmas plays and music recitals. No, they aren&#8217;t Victoria&#8217;s Secret or The Rolling Stones, but they are nice and your presence does support local community activities. Its free and its cool, that’s usually enough for me. Check around your local area malls, you may be surprised at what else they offer besides just shopping fun.</p>

<p>&nbsp; Not just cool, but dark as well, Try the local $1 theater. I&#8217;m not sure how common they are, but I thought they were getting to be more and more so. Second run theaters have a so-so selection, but you cant beat their price. Just skip the refreshment counter!! If treats are required you can stop on the way home (or before you get there) for a small treat, maybe a soft serve from the local dairy place. But movies do not just have to be for an evening out. And the hottest part of the day is usually when their prices are cheapest.</p>

<p>&nbsp; Another out-of-the-house cool things to do I like is to ride the bus or light rail to the end of the route and back. Its nice to sit and not worry about traffic, gas, insurance prices, accidents and repairs. And its air conditioned. I enjoy the movement, the mostly gentle rocking of the light rail train. Listening to the people around me that get on and get off. And then I ride it back. I buy a monthly pass, but a day pass is still cheaper then the price of gas for just a day riding around aimlessly. </p>

<p>&nbsp; If staying indoors when its sunny out isn&#8217;t your tall cool glass of iced-tea there are many outdoors way to enjoy the summer and save some money at the same time.&nbsp; Obviously outdoor picnics and  bbq’s in your own backyard, as well as at a local park, are a good option. And that will also keep the heat of cooking out of the house, keeping it a bit cooler in there. And there really is no rule about how often you can cookout.&nbsp; Invite along some friends and family and celebrate the summer.</p>

<p>&nbsp; In my area there is a free family friendly movie that plays at a different local park every Friday at dusk, through most of the summer. There are also many free outdoor concerts and a few free festivals as well. Yes, I do live in a fairly large city now, with many options. But I also remember free summer park concerts when I was younger and living in West Virginia, in a much smaller city. Well, okay. What I really remember is falling asleep on the blanket in the shade while listening to the bands. Its definetly worth looking into. Librarians are a great source (yet again!) for finding these sorts of community activities. Or at least that has been my experience. </p>

<p>&nbsp; Don’t overlook the neighborhood community pool or recreation center. If wet is your thing in the summer there are lots of water options that don’t require summer pass prices. Public pools were fun and all my friends were there when I was in grade school. I haven’t been to one since then, but I do know they are still around. I burn easy so I don’t go swimming often. If public is not something you’re willing to wear a bathing suit in front of, turn on the sprinklers and fill up the inflatable or plastic baby pool.&nbsp; Even a tub full of cold water can you cool you off when its too hot outside. I personally like the sprinklers. You can run through and then sit in the shade drying/cooling off for awhile, reading a book maybe, and then go through again as you heat up. I know this may be scary, but really, we all need to get over ourselves. It&#8217;s too hot to care what the neighbors think of our unshaven legs hanging off the side of a baby pool. </p>

<p>&nbsp; Let’s not forget the best part of summer: icy cold treats in the hot sun. These need not be expensive store bought processed sugary popsicles. You can pretty much freeze any juice or pureed fruits to make your own. And if you don’t have popsicle molds, Dixie cups and wooden craft sticks work just fine. You just unpeel the paper cup as you eat. There are probably thousands of recipes for just about any kind of homemade popsicle you would want to make. So if you can read this, you can access them online through Google or some other search engine. I keep a variety of frozen fruits in my fridge for smoothies. Mostly just pureed frozen fruits (bananas are smooth and creamy like ice cream, as are mangoes) and some milk and/or water, to the consistency I enjoy. I also like frozen grapes and cherries just as they are to use as a snack. Frozen coffee cubes can help you make a nice iced coffee drink without watering it down, the same with iced tea cubes. You could put the iced tea cubes in lemonade for a little tea flavor or reverse that for a little lemon in your tea. If you puree frozen berries (I did strawberries) in a food processor until they are grainy and add some fresh squeezed lemon and honey or liquid sweetener, and then water, it’s a nice change from regular lemonade.&nbsp; And very impressive.&nbsp; Its important to stay hydrated in the summer, so don’t forget to keep lots of water around. If you like it cold, but cant get an ice cube into the small opening, fill the bottle 1/3 or so with water and freeze it over night. Fill the rest of it just before needing to leave the house. </p>

<p>&nbsp; Around the house I don’t use a/c. This will be the fourth summer that I haven’t used it. To survive I practice many of these little tips. I’m pretty poor, so if its cool + cheap then I probably know about it and have tried it. Not everything listed will work for everyone. Hopefully you will find something that works for you. Even little things can add up to big savings. The biggest things I do are spend a lot of time at the library and ride the light rail a lot to escape the heat. At home I eat cold a lot. Cereal, salads and sandwiches. If I cook I try to use the oven at night and cook in big batches things that I can eat cold later. If you have a microwave, try to use that more often, and also slow cookers, they use less energy and give off less heat into an already hot area. Also, run the dishwasher at night as well, it gives off heat too. <br />
&nbsp; <br />
&nbsp; At night I spray my feet and toes with my spray bottle and sleep so that they are getting a constant breeze from the fan. My spray bottle gets quite a workout in the summer months. Sometimes I sit out on the fire escape reading and spraying down my toes, looking up at the birds in the sky periodically. The best part of summer is the feel of cool wet toes in a nice breeze. I urge you try just that one thing. Sit outside in the early evening shade, spray down your bare feet and just feel how it feels to lay there with cooling toes, seeing the birds overhead or stars that may be out early. </p>

<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<br />
<b>&nbsp; Additional tips for a/c use…. </b><br />
&nbsp;  &nbsp;   &#8212;- Set the temp at 78F (or as high as possible. Be careful if you medical conditions) When you are leaving for the day, turn the temp up another 5 degrees<br />
&nbsp;  &nbsp;   &#8212;-Change or clean the filters monthly during the cooling season. Remove dust and grass clippings from the outside condenser. <br />
&nbsp;  &nbsp;   &#8212;-Use the fan setting as much as possible<br />
&nbsp;  &nbsp;   &#8212;-Keep unwanted excess heat out of the house. Keep doors and windows closed with blinds or drapes drawn to block out the sun.<br />
&nbsp;  &nbsp;   &#8212;-If its mild at night, turn off the a/c and use fans and open windows to cool things off. <br />
&nbsp;  &nbsp;   &#8212;- When a hot day is expected, turn the a/c on earlier, rather then after the building has had a chance to heat up any.<br />
&nbsp;  &nbsp;   &#8212;-If you are in a very dry climate, you might want to consider getting an evaporative cooler, or ‘swamp cooler’. They cost less to operate, but only work if you live in a dry climate. ( I do, and it’s the only reason I’ve even heard of them)<br />
 
</p>
      ]]></content>
    </entry>

    <entry>
      <title>Budgeting 101 : Knowing your flow</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/budgeting_101_knowing_your_flow/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.242</id>
      <published>2007-06-20T04:54:00Z</published>
      <updated>2007-06-20T16:13:24Z</updated>
      <author>
            <name>sashalynn</name>
            <email>sashalynn666@hotmail.com</email>
                  </author>

      <category term="Budgeting 101"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/budgeting_101/"
        label="Budgeting 101" />
      <content type="html"><![CDATA[
        <p> If you are going to take control of your financial situation, the most basic thing you will need to master is the idea of a budget. Generally speaking, a budget refers to a list of all income you receive and all planned expenses for a specific period of time, usually a month, or even a year. Knowing where and how much you are spending is the first step in taking control of your money, knowing where you can cut back and planning for financial goals.</p>

<p>&nbsp; So, how do you get started? 
</p> <p>&nbsp; Well, first you will need to know how much actual income, from all sources you receive in a given month. Incoming income should not include one-time gifts of money or payments, as they are not a regular part of your income.&nbsp; If you are self-employed or have an otherwise variable income, you may want to look at old tax returns and check out your total income for a whole year. Divide that income by 12 and you should have an idea of your monthly income. If you can do this for the last few years, you&#8217;ll have a fairly reliable figure of income to work with. </p>

<p>&nbsp; Next you need to know exactly how much you are spending and where you are spending it. It may be helpful to you write down every single purchase for a few weeks. Even a $.50 pack of gum would go on your list. Those little purchases can add up big time. So, if you buy it, write it down. If you used cash, check or debit card or credit card, you might want to keep track of that too, to make sure you are aware of how much you rely on each form of payment. Make sure to write down what it was and what store, or what payment or bill. If you put some in savings write that down too. In the end, you want to be able to account for every cent that came into your pocket for that month. </p>

<p>&nbsp; Now for the hard part. Dividing up your expenses into categories and deciding where each one goes. First, cover your basic needs. Those would be rent or mortgage payment, car payments, insurance premiums, electric, gas and phone bills. daycare costs, food, toiletries and clothing and don&#8217;t forget pet care costs for any furry household members. These are things you will pay for every month and cannot be skipped.</p>

<p>&nbsp; Next we will list all our &#8216;luxury&#8217; expenses. Cable television, internet access, cell phones, entertainment, birthday and anniversary gifts. Even a simple car wash would fall somewhere in this category.&nbsp; Under the broadest heading of &#8216;entertainment&#8217; most of the luxury expenses would qualify. Books, cd&#8217;s, dvd&#8217;s, video games, movies, eating out and concerts. Also hobby supplies would fall under this too, yarn if you knit or crochet, paint if you are a painter, purchases for a collection you are working on. Unless you are making some form of income from your hobby activities, the expense of it falls under luxury. </p>

<p>&nbsp; Internet, cell phones and cable can be tricky. Obviously if you use the internet for you work (and more and more people do these days) it will fall under need, rather then luxury. On the other hand, it may only be an entertainment that you don&#8217;t even use that often. Where you put cable tv will be up to you. It will depend on how much you actually watch it and what kind of reception you get without it.&nbsp; Despite the prevalence of cell phones, in most cases they are just a luxury and a nuisance at the same time. It may be convenient, but that doesn&#8217;t make it a necessity.</p>

<p>&nbsp; For myself, I use internet for many different purposes, including business. But also, for long distance I instant message with family and friends who live far away, so that cuts out the expense of long distance for me. I also read both local papers and a few magazines online, cutting out the cost of newspapers and magazines. I do however buy some magazines for collages, so I can cut them up. I do not have cable where I live now. I get fairly decent reception, though not perfect, and a fair number of channels, all four networks (I have move around the antenna to see different ones), three different PBS stations, two local channels that mostly show reruns and old movies and several religious stations. When I lived in Des Moines I did not have that kind of reception. I got only one station, and this was at the height of popularity for &#8220;Who wants to be a millionaire&#8221; on prime time. They played it for an hour at a time, three nights a week. I called the cable company after a month or so.</p>

<p>&nbsp; Ultimately, where you decide to categorize each expense will be personal to you. Just try to make an honest assessment of each item. Knowing where you won&#8217;t compromise is an import part of knowing your financial picture.</p>

<p>&nbsp; The last area is savings. Where this will go is again, up to you. Many experts strongly suggest it go under &#8216;basic needs&#8217;. Some even stress that this should your first payment (to yourself) every month, even before housing. Having some money in savings will ease the stress of emergency purchases and payments. This is also where you would save money towards some financial goal you might have, a vacation or new household appliance. If possible you might want to consider saving money in two different funds. One going towards a specific goal and the other an emergency fund. </p>

<p>&nbsp; Now that you know which way your money flows and what purchases are most important to you, you are ready to find ways you can cut back in many areas and plan for a richer tomorrow. Or at least a tomorrow with less financial stress. And isn&#8217;t less stress better?</p>


      ]]></content>
    </entry>

    <entry>
      <title>New Section!</title>
      <link rel="alternate" type="text/html" href="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/new_section/" />
      <id>tag:freecreditfixes.com,2007:index.php/hypnobudgets/11.240</id>
      <published>2007-06-18T06:38:00Z</published>
      <updated>2007-06-18T06:43:41Z</updated>
      <author>
            <name>arin721</name>
            <email>arin721@arinsattic.com</email>
            <uri>http://www.arinsattic.com</uri>      </author>

      <category term="General"
        scheme="http://www.freecreditfixes.com/index.php/hypnobudgets/comments/category/General-2/"
        label="General" />
      <content type="html"><![CDATA[
        <p>We&#8217;re welcoming a new contributor, Sasha of <a href="http://www.hypnobird.com">www.hypnobird.com</a>, to the site!&nbsp; Check here in the future for tips / hints / advice on living life on a budget!&nbsp; I&#8217;m looking forward to it and hope you&#8217;ll enjoy it as well!</p>

<p>Yay and Welcome, Sasha!
</p> 
      ]]></content>
    </entry>


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