Start the New Year Off Right With a Better Handle on Your Family’s Finances

One of the most common New Year’s resolutions is to spend less, save more, and generally handle finances more responsibly. If this is one of your yearly goals, why wait until January to start? If you start improving your finances now, you can enter the new year encouraged and financially stable. If you’re ready to start improving your family’s financial status right now, here are some ideas.

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Set a Special Holiday Budget

One reason you might wait until January to take your finances seriously is the temptation to overspend on holiday gifts and experiences. However, using a credit card to buy tons of presents without budgeting for them can have consequences for months or even years in the future. Before you start buying gifts, sit down and take a realistic look at your finances, including credit card balances and income, and set a sensible budget for all your gift purchases. You’ll avoid racking up debt and you’ll feel confident in the gifts you carefully consider before purchasing.
Use a “Revolving Door” Policy for Clothing and Household Items
If you tend to buy clothing, furniture, or other household items frequently, it can be hard to set a realistic budget. Frequent shopping can also lead to keeping unused stuff in the home. Before buying a new holiday dress or winter coats for the family, sell or donate the old clothing you are replacing. Following a “one-in-one-out” policy as closely as possible helps keep your closets and garage free of clutter. Additionally, you can earn some extra cash by selling your stuff or get a tax refund for donating it.
Negotiate With Your Providers
One constant source of monthly spending is recurring subscription services such as cable television, internet service, and cell phone coverage. Most people need at least some of these things to maintain a comfortable and workable lifestyle so cutting the expenses entirely isn’t always an option. However, you may be able to reduce your monthly expenses by negotiating a better deal with your service providers. It isn’t a sure thing, but many people who take the time to talk with their service providers end up with a more favorable rate and contract.
Find the Best Deal on Insurance
Your insurance premium is another monthly expense you can try to minimize. While you can’t control some factors of your premium cost such as your age or location, you can often find more affordable insurance coverage by changing providers or buying home and auto policies at the same time. The best way to find out if your can lower your insurance costs is to contact a local insurance agent in Denver and discuss coverage options. You may also ask about different levels of coverage to see if you should update your policy terms.
While you may be tempted to simply turn a blind eye toward your finances and wait for January to start improving your spending and saving choices, it’s much better if you start to make wise financial choices now. Setting a budget for holiday spending and lowering your monthly insurance and internet expenses are great ways to improve your financial health and start the new year off with a happy bank account.

Special Holiday Gift Ideas for Kids

It’s the holiday season and it is the grandest and most special time of the year. Many do their shopping for gifts this time of the year to be free from the panic mode a day or two before Christmas and it’s just the right time to be able to think of gifts fit for kids that are well worth the time and money spent for the children you dearly love.

Below are special gifts ideas. They are unique gifts you will not find on most lists, because your kids are dear to you and you want to give them something special.

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Diary for Girls. Girls have the natural ability to express what they feel. Encourage your girl to express her thoughts in writing. Not only will she develop thinking sense, she will also get her hands in the habit of writing. In this digital age, less and less actually write with a pen on a regular basis.  Get 15% Off Entire Cart Of Gifts! Use code  ACART15% to save now! smitcollc.com.

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Frogglez. When your girls own Pink Frogglez, learning how to swim is a lot more fun! The special pair of goggles does not slip nor does it pull her hair or pinch her ears. In case she removes it while in the pool and drops it on the water, it’s easy to get hold of it because it floats.  Check out frogglezgoggles for more details.

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Angels Above. As a newborn, the First Angel will be a safe option for the baby 24/7. It’s a plush toy handmade with cotton, two pairs of interchangeable wings in a book box that “sees” your kid grow. It comes with a certificate with the arrival date and chosen name. The purchase of the book feeds 10 meals to needy children worldwide.  Check out angelsabove.com for more details.

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Watchitude Mermaids. Some girls show the love for water even at a young age. As early as six months, babies can be taught how to swim. Others fantasize being mermaids. The Watchitude with mermaids design is a perfect gift for such kids which they can wear as they get older.  Check out watchitude.com for more details.

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Three Little Pigs.  Who has not heard about the plight of the three little pigs and the Big Bad Wolf? This is a game for 3-7 years old that takes some skill and luck as the pigs build their houses and the squeezable real huffing and puffing wolf can give about 15 minutes of enjoyment per game.  Check out walmart.com for more details.

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Scribbler 3D Pen.  The Scribbler 3D printing pen is probably one of the coolest gifts anyone can receive, whether a kid or an adult. Draw in 3D for as long as the filament supplies. It’s like a glue gun where the plastic filament is fed at the back and it comes out melted enough at the tip as the pen heats it. With varying degrees of heat, the crafter or the would-be engineer can choose how hot or how fast the filament should dry to harden. It depends on what you are trying to create. Save $35 with the Scribbler 3D Pen! – Perfect gift for the Holidays! Check out scribbler3dpen.com for more details.

Christmas is around the corner, if you or someone you know is looking for affordable yet fun and enjoyable toys for kids, check out all these holiday gift ideas and you’ll be happy you did.

I received complimentary products for reviewing purposes only. All written content is 100% original.

Personalized Holiday Gift Idea for Her

During the holiday season, choosing a gift for her takes more care than choosing for him. Especially if she is someone special in your life, there is more elegance taken into consideration, which makes it safer ground in making the right choice. However, make sure that wrong signals are not sent as too much care or thought given into the gift to someone who is just a casual friend may bring out a different meaning. 

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Choosing from the holiday gift ideas is a good start, but if she is someone special like your girlfriend, wife, or daughter, or even your sister, you can build your own locket with her picture or of you together to create the special bond. Hurry while it’s Black Friday and prices are low. Have the picturesongold.com created for her to treasure as long as she lives. You have to hurry to be sure that your gift gets to you in time for the upcoming holiday season.

I received complimentary products for reviewing purposes only. All written content is 100% original.

Women’s Very Comfy & Attractive @prAna Tops & Bottoms #LoveprAna

I do a lot of shopping for my clothes, both online and in local stores. Most of the time I can’t find what I’m looking for. I’m very picky because what I buy needs to look good and feel comfortable. Recently, I found a clothing line, prAna, that has both the look and comfort that I want.

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prAna.com sent me a complimentary Prana Stacia Sweater that is very comfortable and looks very stylish. The soft organic cotton feels great and fits me just perfectly. It keeps me warm when I’m outside and breathes when inside so I’m not too warm. I can even wear it when I’m doing my daily exercises.

w4elix116_black_l_alt_9I was provided another complimentary item from @prAna, the Elixir Jumpsuit, that has Chakara compression fabric that stretches comfortably and is moisture wicking. This is the most comfortable outfit I’ve worn when working out that isn’t wet or even damp at the end of my workout routine.

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This sweater and jumpsuit is a perfect pair for me to wear everyday. I use the jumpsuit as my legging and I love how comfy this is to wear anywhere I go. I really #loveprAna for me and for gifts for the holidays. It will be so fun to share the quality and style with my friends and relatives. This is a clothing line that are versatile enough to wear their designs to work or on a hike. 15135967_1256922384370826_7961331309040838569_nAnother great fact about prAna is their ‘love for our planet’ philosophy that includes recycled, sustainable and fair trade certified and hemp items. There are so many great reasons to gift or suggest prAna items to your friends and family. Check out prAna.com now because they have a promo code for 15% off any order BLOGF16GLPR. Christmas is around the corner, so give yourself or someone you know the organic cotton comfy clothes they deserve.



I received complimentary products for reviewing purposes only. All written content is 100% original.