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Thursday, April 9, 2009



Managing the Household in an Economic Crisis – Some Great Money Saving Ideas



Managing the Household in an Economic Crisis – Some Great MoneySaving IdeasBy Nirjara RustomA penny saved is a penny earned. This old saying has tremendousvalue, especially in the current economy. Unless you have moneyto burn (so what if you really do) there’s no harm in saving abit for a rainy day. And if you’re really strapped for cash andlive in a hand to mouth fashion, these tips that I’m about togive you will really be a blessing for you. While the individualamounts may not be so substantial, there are some nice tipswhich, when taken advantage of, will add up to a nice chunk. So,let’s get started! 1. My first tip is a two in one tip – set goals and startplanning. By goals, I mean that you should first make a list ofyour short term, intermediate, and long term goals. This willhelp you plan wisely. Also, each short term goal that you reachwill encourage you to save more and accomplish the next goal.“Reason why” you need to save is a powerful motivator. Next,whenever you go shopping, make a list of all the things you wishto buy and control your desire to buy anything else unless youwill require it in near future and it is currently available ata bargain. Failing to plan in advance will lead to impulsivespending. In fact, it would be best to leave your credit card athome and come with limited cash, so you don’t give yourself anyexcuses! 2. My next tip actually costs more money but is a great saverin the long run – buy reusable stuff. Rechargeable batteries,artificial flowers, artificial Christmas tree, etc cost a littlemore initially but save a lot of money in the long run.Unfortunately, use and throw seems to be more of a norm thesedays – I know folks who use paper dishes at home to save themthe bother of washing! 3. This tip will also need you to spend more initially – buy inbulk. I cannot emphasize enough how important this is. If you’replanning to buy non perishable goods (like soap), you should buyin as large a quantity as possible and affordable, depending onthe maximum bulk discount available. You should also prefer tobuy stuff that come in larger quantities per unit. For example,if you plan to buy washing machine powder, you will notice thatsmall packages are comparatively more expensive. This may notalways be true, so it makes sense in keeping a calculatorwhenever you go shopping, if you’re math is not good enough.Divide the cost by the weight /number of pieces for eachdifferent variety of packages and you will know how much thedifference is. For perishable goods, be careful and buy thelargest quantity possible that will be consumed before gettingperished. Don’t overbuy to an extent that you have to throw awaythe last remains, unless it is still worth! A good idea is to goshopping in groups so that you can buy in bulk. Prices of someitems fluctuate seasonally, so try to stock up at that time.Prepare to save enough cash reserves in advance for suchsituations by making notes in your calendar. 4. Always visit the clearance racks first whenever you goshopping. Sometimes it may take a little more time to search forthe right items but the savings will be worth it. You can alsoget good bargains at thrift and surplus stores. 5. Reducing wastage is also a big one. There are many thingsyou can do to avoid wastage; things like switching off lights,fans and other electric appliances when not required (especiallywhen you’re moving from one room to another), switching off acar when you need to wait for over a minute at the trafficsignal, paying bills on time to avoid late payment fees,avoiding delay in dental treatment, using the washing machineonly when it is full, using up credit card reward points and airflier miles on time to avoid their lapse, paying off debts on orbefore time whenever you can to avoid excess interest, keepingyour house properly insulated to avoid excess use of utilitieslike air conditioner and room heater, canceling subscriptions tomagazines which you read sparingly, selling suff you no longerneed on ebay, etc are some great ways to reduce wastage. 6. Buy stuff of good quality, especially durable items. Don’tgo shopping vegetables with plastic or paper bags which willlast only once or twice; use cloth bags instead. You even savethe risk of the bag getting torn in transit, causingembarrassment and possible damage. Also learn to extend thedurability of stuff like covering electronic items with dustfree covers, using anti-moisture products in appliances andplaces of high moisture, to reduce corrosion; powder coatingaluminum slides, regularly oiling mechanical parts, etc. 7. You can also save a lot when going for a movie, if you’re adie hard movie fan. For example, you can go for a matinee showor one where the tickets are cheaper, look out for discountedtickets normally found online, bring your own popcorn in anopaque plastic bag placed in a large purse, wear jeans withlarge pockets and stuff them with snacks and chocolates, etc. Finally, allow yourself to splurge once in a while! Saving isgood, but don’t be a permanent miser. Total deprivation cansometimes lead to overindulgence, just like dieting. You shouldalso understand the difference between a “need” and a “want”.Buy only the things that you need, not what you want.About the Author: Nirjara Rustom moderates the House HoldSection of http://www.bharatbhasha.com athttp://www.bharatbhasha.com/house_hold.php - a free informativeresource.Source: http://www.isnare.comPermanent Link:http://www.isnare.com/?aid=330187&ca=Family+Concerns




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Friday, February 13, 2009



Now Might Be a Good Time to Tap into Resources?



With the economy in dire shape right now, let's face it, times are tough, and money is tighter than ever!  Perhaps you've lost your job or your hours have been cut back and your're finding the bills are starting to pile up because you no longer have the money to cover them.  Now IS the time to maybe try a WAH opportunity for extra cash resources or tap into the resources for assistance that are out there available.  The economy is tough right now, so yes many resources out there have also tightened their belts, but nevertheless, they are still out there, and even if you can get help in just one area, well that's one less stressor in your life.  You will find plenty of resourceful information or links to resourceful information to help you in many differents aspects, all you have to do is take action!




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Thursday, August 21, 2008



Middleclass is about to become extinct



Once upon a time there were many classes of people in our society according to finances.  They were upperclass, middleclass and lowerclass.  And in addition, there was the additional level to the three mainstream classes of living such as:  upper and lower of upper class, upper and lower middle class, and even upper and lower - lower class.  However, gone are those days, and unfortunately even the the levels of classes of the mainstreem classes of living have even dwindled away.  We have been reduced to what seems that of either an upper class or lower class.  We do still seem to have some of the levels of the upper and lower class levels of living though.  We seem to have the rich and the poor, and whatever end you may fall on of those two levels...the upper or lower end.  Along with the fading of the class levels of living is human interaction and respect that took years to build and achieve.  It's as though we are resorting back to those years of when the tragic Titantic sank, and although there were many reasons for the high death toll that certainly could have been prevented, but nevertheless, when many of those that died that horrible cold frigid night in April just because they weren't considered first class people.  I would seriously hate to even remotely think we would let our world desend back into that disrespectful, shameful and evil behavior.  There was a time when my family was considered to be middle to lower middle class, but now, in retrospect, I would have to say we are definately lower class now.    The one thing that gripes me the most is HOLLYWOOD.  Much as I love movies, tv and my favorite actors and such.  They are way over-rated, and highly over paid...it's absolutely crazy!  Yes, it's great they give to their favorite charites, causes and such, but seriously, they make way to much money and need to come down and live a more normal life and then maybe they would be treated more normal too.  There is just no reason for them to have two and three homes all over the world, and two and three cars, when some people don't even own a home or car or can even eat a meal.  What, if anything can we do to bring back the middle class and the levels of the middle class. I certainly don't have the answers, but I think we could all start by using our heads a little bit more wisely and by doing things such as going green, conserving energy, helping others more freely with not only our time, but with our money.  I think if we all could just be a little more patient, kind, helpful, and understanding it could be a better world.  Because the rich keep getting richer and the poor just keep getting poorer, so come on everyone let's get out of me, me, me stage, and think about others!



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Monday, May 5, 2008



The World is Thirsting for more Humanity



Loneliness (Humanity), depression (Mental Illness), and financial problems (Poverty) are three top issues people struggle with daily, and sadly, often are part of the leading cause in suicide today. What angers, frustrates and hurts me, is that the above issues are greatly lacking in many areas that to me are basic needs and can be more easily fulfilled than they are. And what do these basic needs include, well in my opinion, they include, but are not limited to: caring, concern, compassion, giving, sharing, sensitivity, support, trust and respect.Seems to me, humanity has gone away, and people are more concerned with how big of a house they can have, and furnish it with the best (museum like) furniture, and drive the nicest of cars, while some of us would be happy just to have our own home or even a car, just to be able to get to a job. For shame! People worry more about their status in their society or communities, rather than their fellow, neighbor, community member or citizens that may be in pain or struggling for whatever reasons.Most often times, people are quick to judge, quick to apologize and offer their condolences for our dire circumstances, and quick to say they will pray for us, but never are they quick in taking any action in helping. I want to know, where are the humane, compassionate, giving people of ACTION out there in the real world? I've seen them on television, on Oprah, Dr. Phil, and other various shows, but rarely have I seen them with my own eyes, when there's no television cameras rolling, no real recognition, or nothing to gain except to feel good about themselves and what they've done, and to know it's pleasing to God. And most times, when I have seen it, you would have thought it was the most painful thing for them to do, was to have to help someone less fortunate out....what a chore. Again, for shame!Maybe if some of those more fortunate took a little more consideration, time, effort and money and helped or shared their success with those less fortunate then things would be a little better. I mean come on, do you really need that fancy house? Do you really need that expensive car and do you need three or four of them? Do you really need all those vacations? Do you really need those $100 suits, shoes, and hand bags? Do you really need that $70 bottle of perfume? For shame! I mean there's nothing wrong with a nice home, car or etc within reason. And splurging every now and then is fine, but in all honestly, most often times it has more to do with status, vanity, and self-satisfaction than anything else. And those who may not be so fortunate, but aren't exactly unfortunate either, you can do good as well, just maybe in smaller ways, on a smaller and different scale.People just need to keep themselves more in check, and keep it real, they need to remember morals, values, compassion, love, and common decency because the world is sorely lacking those things, and is desperately thirsting for them. Even with all the new advances, techniques and technology in the world today, with each passing year, the world is becoming a harder place to exist and co-exist in. The world is thirsting for humanity. ~Kimberly 35 Ways You Can Help the Less Fortunate, Those In Need and Homeless CLICK HERE!http://dictionary.reference.com/browse/humanity




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Saturday, February 16, 2008



Resources



Are you using all the resources that you can? Sometimes pride can keep us from using resources, but we shouldnt let that stop us. There's no rule that states what resources, and how many we must use, so use what resources, assistance, help and benefits you  can, when you can.My website has many different types of resources to assist you; therefore please visit http://www.freewebs/resourcefulliving Whether your need is a financial loan, budgeting and finances, job searches, charities, transportation issues, meals, or even mental health issues, my website has resources/links of all kinds. My only wish is to be able "if" to help or assist even just one person, then I've done what I set out to do. Even if you just want someone to share your story with or just to get advice or input, you may find links on my page to those who can share similiar experiences with you.Remember, take things one day at a time, and one issue at a time and use those resources, because your life matters.




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Sunday, August 12, 2007



Getting Through Tough Times in Life



Everyone at some point in their lives face some sort of tough time, whether financial, emotional, physical and otherwise.  For some, like myself for instance, life seems to be a continious struggle, but I am still here.  So how do we get through these tough times and rise above our situation?  I found a great resourceful website that offers some great steps on how to do just that, "Get Through Tough Times in Life".Tighten the fiscal belt. If you are experiencing hard financial times, there are several ways to make it, and none of them are easy. Tighten the belt and the purse strings and making a lists of "need-its" and "don't need-its". If you need it to sustain life and maintain a decent living standard, then you must put forth the capital. If it is something you feel you can't live without but know that you can, then don't spend on that certain thing until your situation improves. If there is absolutely no way you can dig your way out or "keep up with falling behind", then you may have to consider consumer credit help or possibly (last resort) bankruptcy. Don't take bankruptcy lightly or treat it as an easy option; it can follow you through most of your adult life, keeping you from purchasing even the necessities in the future if you don't learn to control your spending or manage your lifestyle to equal your income.  My site "Resourceful Living" provides some great resourceful links to many kinds of different help, such as:  Charities, Depression, Support, Frugile Living, Community Resources, Government Grants, and much more.Keep your expectations low and you will rarely be disappointed. This may not seem right to you until you spend some time thinking about how it applies to your own personal life. Use your faith or beliefs; maybe you consider that God, the universe or nature provide us with the tools for any situation; whatever the source, it is up to us to use those tools to keep body and soul together.Be prepared to let time assist emotional pain. As for emotional rough times, there is an old saying that "time heals all wounds", and that everything looks better from a distance. Let yourself grieve, cry, wail or whatever it may be that makes you feel like you can continue on another day, and if your emotional distress is something that makes you feel doom or thoughts of death or profound sadness, by all means, seek professional help (including your primary care physician)!   Mental Health Matter's whether it's temporary depression your facing or a long-term battle with depression or other mental illness, Mental Health does matter, so please get support, assistance and help that's out there.Go with the flow for everyday life. As for the other slings and arrows of outrageous fortune, go with the flow and roll with it; this is a test, only a test. We will all make it to the finish line and none of us will be allowed to take anything with us when we go.  Also for Related Resources & Hows at wiki: How to Keep Yourself Calm During Tough TimesHow to Make Tough Decisions for YourselfHow to Budget Your MoneyHow to Budget and Save on a Small Income as a Single ParentHow to Create a Working BudgetHow to Date on a BudgetHow to Decorate Your Home on a BudgetHow to Use Tough Love




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Thursday, July 12, 2007



There are some amazing people out there.  Read this inspirational story...



I was just flipping through the tv channels yesterday, when I stumbled across an interview with a man name Trevor  Ferrell that caught my undivided attention.  The story is about a humble man, who 20 years ago this month, began his quest in making a difference in helping those less fortunate.  And although he could have chosen a different path, one that would probably have been more prosperious for him...financially that is; he chose a different and more complicated path, which has not been easy, today, 20 years later, Trevor is still making a difference. I find this story particulary inspiring.  Yes there are people out there who do "really" care and want to make a difference, and Trevor Ferrell is one of those special people.  He doesn't care about making more money for himself, nor does he care about fame and fortune.  All he cares about is helping those in need, and taking care of his own family. Sometimes, it takes inspirational stories such as Trevor's to remind us there are still genuine people out there who care, people who we aspire to be like, people who give us hope and inspiration.  So whether you are enduring difficult times or just feeling lost, I strongly encourage you to read his story. Trevor now runs his own shop "Trevors' Thrift Shop & Distribution Center" in Philadelphia, PA.  To read Trevor's story just click on the title story about to follow link or visit:http://www.zwire.com/site/news.cfm?newsid=10649552&BRD=2212&PAG=461&dept_id=465812&rfi=6For more information or to make a donation, you can visit his website at:  http://www.nhffoundations.net/synapse/services/services_public.cfm?website=nhffoundations.net/Trevors




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About Me...

~Kimberly A.
Roanoke, VA, United States
*Just a little about me, I am originally from a small town in the NRV, just West of the home of the "VA TECH HOKIES".  I recently married and live in Roanoke, VA.  I have one grown son, 25 and two step-children, one-boy, seven, and one girl, six.  I am now a WAHH and have several business ventures ...everything from a internet researcher, promotions & product ambassador to a Country Charm Consultant and Mineral Makeup Consultant.
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Hello everyone, this is Kimberly, WELCOME to my page!!! I hope you'll sit back, relax & get ready for KC'Soul to open up to share a variety of information in/or pertaining to everyday walks of life...anything goes! Hope you'll stick around!~Kimberly

























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Resourcefully For You by Kimberly Andrews is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 United States License.